Home > Bank of Labor > Performance and Condition Ratios
Bank of Labor, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 2,778 |
| Cost of funding earning assets | 0.9848% | 3,326 |
| Net interest margin | 3.6687% | 1,816 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 3.1627% | 863 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7671% | 2,989 |
| Return on assets (ROA) | 0.5819% | 3,482 |
| Pretax return on assets | 0.7711% | 3,281 |
| Return on Equity (ROE) | 48.4800% | 56 |
| Retained earnings to average equity (ytd only) | 42.9688% | 23 |
| Net charge-offs to loans | 0.0978% | 924 |
| Credit loss provision to net charge-offs | 294.1176% | 969 |
| Earnings coverage of net charge-offs (x) | 32.6471% | 1,581 |
| Efficiency ratio | 74.1580% | 1,440 |
| Assets per employee ($millions) | 7.9615% | 1,458 |
| Cash dividends to net income (ytd only)* | 11.3744% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 1,811 |
| Loan loss allowance to noncurrent loans | 1,015.6627% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,301 |
| Noncurrent loans to loans | 0.1271% | 2,883 |
| Net loans and leases to total assets | 34.5900% | 4,196 |
| Net loans and leases to deposits | 36.8246% | 4,262 |
| Net loans and leases to core deposits | 42.7286% | 4,231 |
| Total domestic deposits to total assets | 93.9300% | 112 |
| Equity capital to assets | 2.1119% | 4,565 |
| Core capital (leverage) ratio | 7.3135% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1207% | 2,203 |
| Memoranda: | ||
| Average total assets | $906,449,200 | 1,074 |
| Average earning assets | $853,767,800 | 1,052 |
| Average equity | $10,880,000 | 3,628 |
| Average total loans | $312,937,200 | 1,747 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 2,728 |
| Cost of funding earning assets | 0.9502% | 3,153 |
| Net interest margin | 3.6288% | 1,927 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 3.0974% | 932 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8196% | 2,965 |
| Return on assets (ROA) | 0.8173% | 2,962 |
| Pretax return on assets | 1.0823% | 2,622 |
| Return on Equity (ROE) | 84.7400% | 24 |
| Retained earnings to average equity (ytd only) | 77.8296% | 16 |
| Net charge-offs to loans | 0.1331% | 608 |
| Credit loss provision to net charge-offs | 153.7217% | 1,309 |
| Earnings coverage of net charge-offs (x) | 25.1359% | 1,692 |
| Efficiency ratio | 72.9175% | 1,459 |
| Assets per employee ($millions) | 7.8362% | 1,435 |
| Cash dividends to net income (ytd only)* | 8.1551% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,260 |
| Loan loss allowance to noncurrent loans | 1,362.2302% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 2,982 |
| Noncurrent loans to loans | 0.0898% | 3,134 |
| Net loans and leases to total assets | 34.2500% | 4,239 |
| Net loans and leases to deposits | 36.0650% | 4,295 |
| Net loans and leases to core deposits | 41.1646% | 4,235 |
| Total domestic deposits to total assets | 94.9600% | 125 |
| Equity capital to assets | 0.5295% | 4,588 |
| Core capital (leverage) ratio | 7.5706% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4621% | 2,092 |
| Memoranda: | ||
| Average total assets | $900,187,750 | 1,090 |
| Average earning assets | $846,805,750 | 1,061 |
| Average equity | $8,682,000 | 3,863 |
| Average total loans | $309,567,250 | 1,759 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 2,719 |
| Cost of funding earning assets | 0.8958% | 2,941 |
| Net interest margin | 3.5755% | 2,087 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 3.0113% | 1,032 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8401% | 2,955 |
| Return on assets (ROA) | 0.8359% | 2,982 |
| Pretax return on assets | 1.1070% | 2,627 |
| Return on Equity (ROE) | 75.4500% | 30 |
| Retained earnings to average equity (ytd only) | 69.9447% | 17 |
| Net charge-offs to loans | 0.1964% | 405 |
| Credit loss provision to net charge-offs | 136.5132% | 1,254 |
| Earnings coverage of net charge-offs (x) | 17.6283% | 1,791 |
| Efficiency ratio | 71.7158% | 1,588 |
| Assets per employee ($millions) | 7.9788% | 1,332 |
| Cash dividends to net income (ytd only)* | 7.2906% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,636 |
| Loan loss allowance to noncurrent loans | 1,673.5426% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 2,894 |
| Noncurrent loans to loans | 0.0695% | 3,198 |
| Net loans and leases to total assets | 35.4800% | 4,194 |
| Net loans and leases to deposits | 37.3946% | 4,269 |
| Net loans and leases to core deposits | 42.2204% | 4,209 |
| Total domestic deposits to total assets | 94.8800% | 100 |
| Equity capital to assets | 1.2853% | 4,620 |
| Core capital (leverage) ratio | 7.2762% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8394% | 2,355 |
| Memoranda: | ||
| Average total assets | $902,473,333 | 1,080 |
| Average earning assets | $851,122,667 | 1,050 |
| Average equity | $9,999,333 | 3,742 |
| Average total loans | $309,510,000 | 1,747 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 3,031 |
| Cost of funding earning assets | 0.8193% | 2,659 |
| Net interest margin | 3.3850% | 2,673 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.9079% | 1,217 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.7727% | 3,287 |
| Return on assets (ROA) | 0.7644% | 3,262 |
| Pretax return on assets | 1.0114% | 2,956 |
| Return on Equity (ROE) | 74.8900% | 34 |
| Retained earnings to average equity (ytd only) | 69.4901% | 25 |
| Net charge-offs to loans | 0.2448% | 310 |
| Credit loss provision to net charge-offs | 107.5269% | 1,074 |
| Earnings coverage of net charge-offs (x) | 13.5323% | 1,586 |
| Efficiency ratio | 72.3710% | 1,508 |
| Assets per employee ($millions) | 8.0198% | 1,330 |
| Cash dividends to net income (ytd only)* | 7.2129% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,576 |
| Loan loss allowance to noncurrent loans | 6,610.9091% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,088 |
| Noncurrent loans to loans | 0.0181% | 3,658 |
| Net loans and leases to total assets | 32.5700% | 4,310 |
| Net loans and leases to deposits | 34.2298% | 4,372 |
| Net loans and leases to core deposits | 38.0011% | 4,317 |
| Total domestic deposits to total assets | 95.1500% | 81 |
| Equity capital to assets | 1.4462% | 4,647 |
| Core capital (leverage) ratio | 7.2510% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2075% | 2,299 |
| Memoranda: | ||
| Average total assets | $906,896,500 | 1,091 |
| Average earning assets | $856,842,000 | 1,061 |
| Average equity | $9,256,000 | 3,865 |
| Average total loans | $303,864,500 | 1,776 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 3,646 |
| Cost of funding earning assets | 0.2571% | 3,271 |
| Net interest margin | 3.0205% | 3,394 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.0101% | 955 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4648% | 4,145 |
| Return on assets (ROA) | 0.4707% | 4,100 |
| Pretax return on assets | 0.6215% | 3,996 |
| Return on Equity (ROE) | 17.6000% | 769 |
| Retained earnings to average equity (ytd only) | 16.2248% | 212 |
| Net charge-offs to loans | 0.0221% | 1,624 |
| Credit loss provision to net charge-offs | 491.8033% | 686 |
| Earnings coverage of net charge-offs (x) | 93.6066% | 1,004 |
| Efficiency ratio | 82.2841% | 582 |
| Assets per employee ($millions) | 7.5552% | 1,581 |
| Cash dividends to net income (ytd only)* | 7.8370% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,381 |
| Loan loss allowance to noncurrent loans | 1,020.1342% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,746 |
| Noncurrent loans to loans | 0.0981% | 3,060 |
| Net loans and leases to total assets | 33.7300% | 4,294 |
| Net loans and leases to deposits | 36.0523% | 4,341 |
| Net loans and leases to core deposits | 36.7547% | 4,362 |
| Total domestic deposits to total assets | 93.5500% | 301 |
| Equity capital to assets | 0.5804% | 4,680 |
| Core capital (leverage) ratio | 7.1772% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6661% | 2,497 |
| Memoranda: | ||
| Average total assets | $881,055,800 | 1,096 |
| Average earning assets | $836,157,200 | 1,071 |
| Average equity | $23,556,600 | 2,669 |
| Average total loans | $276,470,000 | 1,833 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0074% | 3,875 |
| Cost of funding earning assets | 0.1438% | 3,902 |
| Net interest margin | 2.8636% | 3,585 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.9204% | 1,021 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.4048% | 4,235 |
| Return on assets (ROA) | 0.4127% | 4,162 |
| Pretax return on assets | 0.5441% | 4,083 |
| Return on Equity (ROE) | 12.8800% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.8117% | 837 |
| Net charge-offs to loans | 0.0361% | 1,141 |
| Credit loss provision to net charge-offs | 410.9589% | 692 |
| Earnings coverage of net charge-offs (x) | 52.3151% | 1,260 |
| Efficiency ratio | 83.4389% | 582 |
| Assets per employee ($millions) | 7.4151% | 1,666 |
| Cash dividends to net income (ytd only)* | 8.2751% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,236 |
| Loan loss allowance to noncurrent loans | 1,151.3308% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,872 |
| Noncurrent loans to loans | 0.0914% | 3,228 |
| Net loans and leases to total assets | 32.2600% | 4,363 |
| Net loans and leases to deposits | 35.7811% | 4,369 |
| Net loans and leases to core deposits | 36.4517% | 4,389 |
| Total domestic deposits to total assets | 90.1500% | 1,597 |
| Equity capital to assets | 0.1629% | 4,714 |
| Core capital (leverage) ratio | 6.9337% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3665% | 2,702 |
| Memoranda: | ||
| Average total assets | $878,441,250 | 1,104 |
| Average earning assets | $835,112,750 | 1,075 |
| Average equity | $28,152,250 | 2,453 |
| Average total loans | $269,660,250 | 1,854 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7511% | 4,063 |
| Cost of funding earning assets | 0.0736% | 4,434 |
| Net interest margin | 2.6775% | 3,748 |
| Noninterest income to average assets | 0.7664% | 1,136 |
| Noninterest expense to average assets | 2.8901% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3266% | 4,240 |
| Return on assets (ROA) | 0.3407% | 4,172 |
| Pretax return on assets | 0.4481% | 4,085 |
| Return on Equity (ROE) | 8.0632% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.3886% | 1,857 |
| Net charge-offs to loans | -0.0023% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0416% | 535 |
| Assets per employee ($millions) | 7.4843% | 1,615 |
| Cash dividends to net income (ytd only)* | 8.3668% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,689 |
| Loan loss allowance to noncurrent loans | 1,149.1803% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,964 |
| Noncurrent loans to loans | 0.0852% | 3,354 |
| Net loans and leases to total assets | 32.3687% | 4,387 |
| Net loans and leases to deposits | 37.2463% | 4,360 |
| Net loans and leases to core deposits | 37.6844% | 4,393 |
| Total domestic deposits to total assets | 86.9046% | 2,969 |
| Equity capital to assets | 1.9809% | 4,724 |
| Core capital (leverage) ratio | 7.0172% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4476% | 2,691 |
| Memoranda: | ||
| Average total assets | $877,121,000 | 1,100 |
| Average earning assets | $836,673,000 | 1,078 |
| Average equity | $37,057,333 | 2,109 |
| Average total loans | $263,660,333 | 1,882 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5875% | 4,144 |
| Cost of funding earning assets | 0.0505% | 4,598 |
| Net interest margin | 2.5370% | 3,818 |
| Noninterest income to average assets | 0.7518% | 1,168 |
| Noninterest expense to average assets | 2.8647% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2357% | 4,270 |
| Return on assets (ROA) | 0.2638% | 4,183 |
| Pretax return on assets | 0.3513% | 4,109 |
| Return on Equity (ROE) | 4.9368% | 3,637 |
| Retained earnings to average equity (ytd only) | 4.4252% | 2,797 |
| Net charge-offs to loans | 0.0032% | 1,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 346.5000% | 283 |
| Efficiency ratio | 90.0716% | 542 |
| Assets per employee ($millions) | 7.5788% | 1,641 |
| Cash dividends to net income (ytd only)* | 10.3627% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,374 |
| Loan loss allowance to noncurrent loans | 502.5135% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,775 |
| Noncurrent loans to loans | 0.2167% | 2,735 |
| Net loans and leases to total assets | 29.1735% | 4,471 |
| Net loans and leases to deposits | 34.0971% | 4,443 |
| Net loans and leases to core deposits | 34.5061% | 4,471 |
| Total domestic deposits to total assets | 85.5602% | 3,401 |
| Equity capital to assets | 4.1859% | 4,774 |
| Core capital (leverage) ratio | 7.1008% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9854% | 2,613 |
| Memoranda: | ||
| Average total assets | $877,849,500 | 1,102 |
| Average earning assets | $840,357,500 | 1,079 |
| Average equity | $46,913,000 | 1,820 |
| Average total loans | $252,368,000 | 1,925 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8314% | 4,159 |
| Cost of funding earning assets | 0.0717% | 4,582 |
| Net interest margin | 2.7597% | 3,756 |
| Noninterest income to average assets | 0.7988% | 1,449 |
| Noninterest expense to average assets | 2.9866% | 1,004 |
| Loan and lease loss provision to assets | -0.0561% | 4,383 |
| Net operating income to assets | 0.3907% | 4,287 |
| Return on assets (ROA) | 0.4358% | 4,256 |
| Pretax return on assets | 0.5748% | 4,144 |
| Return on Equity (ROE) | 6.5827% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.2307% | 2,259 |
| Net charge-offs to loans | 0.0332% | 1,570 |
| Credit loss provision to net charge-offs | -551.7647% | 3,780 |
| Earnings coverage of net charge-offs (x) | 45.4471% | 1,359 |
| Efficiency ratio | 86.6105% | 437 |
| Assets per employee ($millions) | 7.7556% | 1,461 |
| Cash dividends to net income (ytd only)* | 5.3483% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,223 |
| Loan loss allowance to noncurrent loans | 461.4498% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 2,584 |
| Noncurrent loans to loans | 0.2451% | 2,747 |
| Net loans and leases to total assets | 27.6960% | 4,575 |
| Net loans and leases to deposits | 32.9516% | 4,559 |
| Net loans and leases to core deposits | 33.2160% | 4,581 |
| Total domestic deposits to total assets | 84.0506% | 3,548 |
| Equity capital to assets | 6.4858% | 4,794 |
| Core capital (leverage) ratio | 6.9435% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3400% | 2,107 |
| Memoranda: | ||
| Average total assets | $836,669,600 | 1,108 |
| Average earning assets | $803,279,600 | 1,085 |
| Average equity | $55,387,400 | 1,623 |
| Average total loans | $255,894,200 | 1,897 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 4,211 |
| Cost of funding earning assets | 0.0777% | 4,647 |
| Net interest margin | 2.7937% | 3,798 |
| Noninterest income to average assets | 0.8089% | 1,490 |
| Noninterest expense to average assets | 2.9243% | 1,090 |
| Loan and lease loss provision to assets | -0.0161% | 4,339 |
| Net operating income to assets | 0.4389% | 4,315 |
| Return on assets (ROA) | 0.4993% | 4,253 |
| Pretax return on assets | 0.6581% | 4,143 |
| Return on Equity (ROE) | 7.5021% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.1864% | 2,347 |
| Net charge-offs to loans | 0.0243% | 1,555 |
| Credit loss provision to net charge-offs | -212.7660% | 3,406 |
| Earnings coverage of net charge-offs (x) | 74.4255% | 1,023 |
| Efficiency ratio | 83.7966% | 531 |
| Assets per employee ($millions) | 7.6283% | 1,492 |
| Cash dividends to net income (ytd only)* | 4.2085% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,726 |
| Loan loss allowance to noncurrent loans | 480.0898% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 2,659 |
| Noncurrent loans to loans | 0.2605% | 2,886 |
| Net loans and leases to total assets | 29.1167% | 4,614 |
| Net loans and leases to deposits | 35.2481% | 4,594 |
| Net loans and leases to core deposits | 35.7779% | 4,615 |
| Total domestic deposits to total assets | 82.6050% | 3,800 |
| Equity capital to assets | 6.9442% | 4,819 |
| Core capital (leverage) ratio | 7.2592% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3495% | 2,233 |
| Memoranda: | ||
| Average total assets | $824,803,250 | 1,134 |
| Average earning assets | $791,481,750 | 1,108 |
| Average equity | $54,898,500 | 1,657 |
| Average total loans | $257,950,000 | 1,920 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6986% | 4,455 |
| Cost of funding earning assets | 0.0871% | 4,654 |
| Net interest margin | 2.6115% | 4,143 |
| Noninterest income to average assets | 0.7885% | 1,569 |
| Noninterest expense to average assets | 2.8886% | 1,166 |
| Loan and lease loss provision to assets | -0.0247% | 4,447 |
| Net operating income to assets | 0.3246% | 4,499 |
| Return on assets (ROA) | 0.3685% | 4,477 |
| Pretax return on assets | 0.4823% | 4,413 |
| Return on Equity (ROE) | 5.6229% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.1330% | 3,135 |
| Net charge-offs to loans | 0.0356% | 1,288 |
| Credit loss provision to net charge-offs | -217.3913% | 3,230 |
| Earnings coverage of net charge-offs (x) | 35.3913% | 1,228 |
| Efficiency ratio | 87.7824% | 404 |
| Assets per employee ($millions) | 7.4054% | 1,530 |
| Cash dividends to net income (ytd only)* | 8.7131% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,141 |
| Loan loss allowance to noncurrent loans | 356.5556% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 2,434 |
| Noncurrent loans to loans | 0.3254% | 2,751 |
| Net loans and leases to total assets | 31.5487% | 4,602 |
| Net loans and leases to deposits | 38.0328% | 4,580 |
| Net loans and leases to core deposits | 38.6409% | 4,609 |
| Total domestic deposits to total assets | 82.9512% | 3,717 |
| Equity capital to assets | 6.2276% | 4,912 |
| Core capital (leverage) ratio | 6.8231% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4950% | 2,548 |
| Memoranda: | ||
| Average total assets | $809,863,667 | 1,144 |
| Average earning assets | $775,948,667 | 1,125 |
| Average equity | $53,068,667 | 1,693 |
| Average total loans | $258,462,667 | 1,919 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7283% | 4,447 |
| Cost of funding earning assets | 0.0996% | 4,648 |
| Net interest margin | 2.6286% | 4,096 |
| Noninterest income to average assets | 0.7974% | 1,587 |
| Noninterest expense to average assets | 2.9899% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2555% | 4,581 |
| Return on assets (ROA) | 0.2733% | 4,583 |
| Pretax return on assets | 0.3547% | 4,546 |
| Return on Equity (ROE) | 4.0590% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.7929% | 3,565 |
| Net charge-offs to loans | 0.1075% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.6866% | 1,529 |
| Efficiency ratio | 90.0015% | 369 |
| Assets per employee ($millions) | 6.8006% | 1,933 |
| Cash dividends to net income (ytd only)* | 6.5543% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 2,070 |
| Loan loss allowance to noncurrent loans | 376.9495% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 2,552 |
| Noncurrent loans to loans | 0.3652% | 2,777 |
| Net loans and leases to total assets | 29.3445% | 4,713 |
| Net loans and leases to deposits | 35.2913% | 4,696 |
| Net loans and leases to core deposits | 36.1593% | 4,717 |
| Total domestic deposits to total assets | 83.1492% | 3,655 |
| Equity capital to assets | 6.1969% | 4,928 |
| Core capital (leverage) ratio | 7.1870% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6621% | 2,419 |
| Memoranda: | ||
| Average total assets | $781,577,500 | 1,167 |
| Average earning assets | $750,653,500 | 1,139 |
| Average equity | $52,624,000 | 1,695 |
| Average total loans | $249,415,000 | 1,967 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2541% | 4,390 |
| Cost of funding earning assets | 0.2514% | 4,364 |
| Net interest margin | 3.0027% | 3,876 |
| Noninterest income to average assets | 0.9235% | 1,208 |
| Noninterest expense to average assets | 3.3267% | 874 |
| Loan and lease loss provision to assets | 0.5623% | 386 |
| Net operating income to assets | -0.0761% | 4,773 |
| Return on assets (ROA) | 0.2201% | 4,608 |
| Pretax return on assets | 0.2825% | 4,570 |
| Return on Equity (ROE) | 3.0766% | 4,357 |
| Retained earnings to average equity (ytd only) | 2.0031% | 3,821 |
| Net charge-offs to loans | 1.8336% | 49 |
| Credit loss provision to net charge-offs | 82.0821% | 2,975 |
| Earnings coverage of net charge-offs (x) | 0.6859% | 3,307 |
| Efficiency ratio | 87.6242% | 461 |
| Assets per employee ($millions) | 6.3391% | 2,054 |
| Cash dividends to net income (ytd only)* | 34.8910% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,464 |
| Loan loss allowance to noncurrent loans | 358.3333% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 2,612 |
| Noncurrent loans to loans | 0.3599% | 2,908 |
| Net loans and leases to total assets | 33.7470% | 4,655 |
| Net loans and leases to deposits | 40.7609% | 4,641 |
| Net loans and leases to core deposits | 42.3512% | 4,644 |
| Total domestic deposits to total assets | 82.7925% | 3,466 |
| Equity capital to assets | 7.2986% | 4,874 |
| Core capital (leverage) ratio | 7.4224% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1261% | 2,194 |
| Memoranda: | ||
| Average total assets | $729,152,600 | 1,136 |
| Average earning assets | $697,667,400 | 1,108 |
| Average equity | $52,168,600 | 1,624 |
| Average total loans | $272,417,200 | 1,817 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2845% | 4,493 |
| Cost of funding earning assets | 0.2944% | 4,338 |
| Net interest margin | 2.9901% | 3,999 |
| Noninterest income to average assets | 0.9664% | 1,089 |
| Noninterest expense to average assets | 3.3553% | 840 |
| Loan and lease loss provision to assets | 0.8319% | 208 |
| Net operating income to assets | -0.2759% | 4,855 |
| Return on assets (ROA) | -0.0915% | 4,824 |
| Pretax return on assets | -0.1294% | 4,821 |
| Return on Equity (ROE) | -1.2857% | 4,842 |
| Retained earnings to average equity (ytd only) | -2.7403% | 4,758 |
| Net charge-offs to loans | 2.2692% | 43 |
| Credit loss provision to net charge-offs | 95.9693% | 2,663 |
| Earnings coverage of net charge-offs (x) | 0.5411% | 3,122 |
| Efficiency ratio | 87.7369% | 427 |
| Assets per employee ($millions) | 6.5100% | 1,828 |
| Cash dividends to net income (ytd only)* | -113.1313% | 5,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,667 |
| Loan loss allowance to noncurrent loans | 294.6299% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 2,785 |
| Noncurrent loans to loans | 0.4807% | 2,621 |
| Net loans and leases to total assets | 36.1748% | 4,675 |
| Net loans and leases to deposits | 43.5063% | 4,675 |
| Net loans and leases to core deposits | 45.5919% | 4,671 |
| Total domestic deposits to total assets | 83.1482% | 3,108 |
| Equity capital to assets | 6.9620% | 4,955 |
| Core capital (leverage) ratio | 7.2163% | 4,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5825% | 2,378 |
| Memoranda: | ||
| Average total assets | $721,268,250 | 1,130 |
| Average earning assets | $689,371,500 | 1,103 |
| Average equity | $51,330,750 | 1,640 |
| Average total loans | $275,505,500 | 1,785 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 4,458 |
| Cost of funding earning assets | 0.3354% | 4,334 |
| Net interest margin | 3.1314% | 3,831 |
| Noninterest income to average assets | 0.9648% | 1,045 |
| Noninterest expense to average assets | 3.5366% | 714 |
| Loan and lease loss provision to assets | 1.2691% | 127 |
| Net operating income to assets | -0.6454% | 4,928 |
| Return on assets (ROA) | -0.5544% | 4,919 |
| Pretax return on assets | -0.7384% | 4,928 |
| Return on Equity (ROE) | -7.7278% | 4,965 |
| Retained earnings to average equity (ytd only) | -9.9539% | 4,919 |
| Net charge-offs to loans | 2.7389% | 40 |
| Credit loss provision to net charge-offs | 119.5594% | 2,288 |
| Earnings coverage of net charge-offs (x) | 0.3915% | 2,922 |
| Efficiency ratio | 89.4862% | 397 |
| Assets per employee ($millions) | 6.1660% | 2,051 |
| Cash dividends to net income (ytd only)* | -28.8066% | 5,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 759 |
| Loan loss allowance to noncurrent loans | 356.0086% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 2,886 |
| Noncurrent loans to loans | 0.4875% | 2,689 |
| Net loans and leases to total assets | 37.1586% | 4,697 |
| Net loans and leases to deposits | 44.8728% | 4,683 |
| Net loans and leases to core deposits | 46.8591% | 4,693 |
| Total domestic deposits to total assets | 82.8086% | 3,140 |
| Equity capital to assets | 6.9501% | 4,980 |
| Core capital (leverage) ratio | 7.3493% | 4,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2164% | 2,515 |
| Memoranda: | ||
| Average total assets | $701,293,000 | 1,140 |
| Average earning assets | $669,028,000 | 1,112 |
| Average equity | $50,312,000 | 1,666 |
| Average total loans | $271,789,000 | 1,785 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 4,535 |
| Cost of funding earning assets | 0.4805% | 4,028 |
| Net interest margin | 3.1122% | 4,066 |
| Noninterest income to average assets | 1.0376% | 792 |
| Noninterest expense to average assets | 3.9130% | 552 |
| Loan and lease loss provision to assets | 2.4973% | 46 |
| Net operating income to assets | -1.8317% | 5,043 |
| Return on assets (ROA) | -1.6494% | 5,014 |
| Pretax return on assets | -2.1768% | 5,034 |
| Return on Equity (ROE) | -22.5930% | 5,066 |
| Retained earnings to average equity (ytd only) | -27.1540% | 5,026 |
| Net charge-offs to loans | 5.7877% | 15 |
| Credit loss provision to net charge-offs | 109.8326% | 1,757 |
| Earnings coverage of net charge-offs (x) | 0.0395% | 2,486 |
| Efficiency ratio | 97.7570% | 280 |
| Assets per employee ($millions) | 5.4358% | 2,189 |
| Cash dividends to net income (ytd only)* | -20.1875% | 5,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 826 |
| Loan loss allowance to noncurrent loans | 81.1261% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 1,281 |
| Noncurrent loans to loans | 2.1310% | 634 |
| Net loans and leases to total assets | 38.6912% | 4,707 |
| Net loans and leases to deposits | 45.6096% | 4,730 |
| Net loans and leases to core deposits | 47.4988% | 4,743 |
| Total domestic deposits to total assets | 84.8311% | 2,475 |
| Equity capital to assets | 6.9130% | 5,074 |
| Core capital (leverage) ratio | 7.9117% | 4,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0465% | 2,671 |
| Memoranda: | ||
| Average total assets | $672,729,500 | 1,152 |
| Average earning assets | $640,963,500 | 1,127 |
| Average equity | $49,112,500 | 1,687 |
| Average total loans | $264,286,000 | 1,788 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 3,979 |
| Cost of funding earning assets | 0.5620% | 3,816 |
| Net interest margin | 3.5682% | 3,233 |
| Noninterest income to average assets | 1.0848% | 807 |
| Noninterest expense to average assets | 4.0847% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2892% | 4,760 |
| Return on assets (ROA) | 0.3189% | 4,758 |
| Pretax return on assets | 0.4336% | 4,659 |
| Return on Equity (ROE) | 4.0094% | 4,456 |
| Retained earnings to average equity (ytd only) | 0.7054% | 4,489 |
| Net charge-offs to loans | 0.1955% | 1,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.8713% | 3,160 |
| Efficiency ratio | 91.1615% | 311 |
| Assets per employee ($millions) | 5.1502% | 2,395 |
| Cash dividends to net income (ytd only)* | 82.4056% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 919 |
| Loan loss allowance to noncurrent loans | 370.1220% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 2,950 |
| Noncurrent loans to loans | 0.4398% | 2,871 |
| Net loans and leases to total assets | 38.6529% | 4,782 |
| Net loans and leases to deposits | 45.7090% | 4,796 |
| Net loans and leases to core deposits | 47.6395% | 4,802 |
| Total domestic deposits to total assets | 84.5629% | 2,658 |
| Equity capital to assets | 7.7145% | 5,094 |
| Core capital (leverage) ratio | 8.5633% | 4,808 |
| Tier 1 risk-based capital ratio | 14.1720% | 3,177 |
| Total risk-based capital ratio | 15.3336% | 3,136 |
| Memoranda: | ||
| Average total assets | $631,007,000 | 1,180 |
| Average earning assets | $600,557,000 | 1,150 |
| Average equity | $50,182,000 | 1,594 |
| Average total loans | $262,418,600 | 1,763 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 3,918 |
| Cost of funding earning assets | 0.5610% | 3,864 |
| Net interest margin | 3.6399% | 3,132 |
| Noninterest income to average assets | 1.0974% | 761 |
| Noninterest expense to average assets | 4.0738% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3532% | 4,783 |
| Return on assets (ROA) | 0.3880% | 4,766 |
| Pretax return on assets | 0.5255% | 4,660 |
| Return on Equity (ROE) | 4.8402% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.5199% | 4,428 |
| Net charge-offs to loans | 0.1705% | 1,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.6905% | 2,813 |
| Efficiency ratio | 89.4326% | 343 |
| Assets per employee ($millions) | 5.0198% | 2,540 |
| Cash dividends to net income (ytd only)* | 68.5981% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 813 |
| Loan loss allowance to noncurrent loans | 370.0669% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 2,951 |
| Noncurrent loans to loans | 0.4600% | 2,922 |
| Net loans and leases to total assets | 41.0591% | 4,780 |
| Net loans and leases to deposits | 49.9854% | 4,772 |
| Net loans and leases to core deposits | 52.0137% | 4,797 |
| Total domestic deposits to total assets | 82.1422% | 3,435 |
| Equity capital to assets | 8.3518% | 5,048 |
| Core capital (leverage) ratio | 9.1385% | 4,526 |
| Tier 1 risk-based capital ratio | 14.8444% | 2,929 |
| Total risk-based capital ratio | 16.0946% | 2,850 |
| Memoranda: | ||
| Average total assets | $622,665,000 | 1,191 |
| Average earning assets | $591,510,500 | 1,166 |
| Average equity | $49,914,250 | 1,603 |
| Average total loans | $262,761,000 | 1,772 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,883 |
| Cost of funding earning assets | 0.5586% | 3,845 |
| Net interest margin | 3.6570% | 3,083 |
| Noninterest income to average assets | 1.0704% | 743 |
| Noninterest expense to average assets | 4.0264% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3801% | 4,762 |
| Return on assets (ROA) | 0.3915% | 4,767 |
| Pretax return on assets | 0.5322% | 4,650 |
| Return on Equity (ROE) | 4.9529% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.3119% | 4,012 |
| Net charge-offs to loans | 0.1562% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.8252% | 2,459 |
| Efficiency ratio | 88.6070% | 410 |
| Assets per employee ($millions) | 5.0076% | 2,468 |
| Cash dividends to net income (ytd only)* | 53.3224% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 727 |
| Loan loss allowance to noncurrent loans | 372.5266% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,977 |
| Noncurrent loans to loans | 0.4743% | 2,857 |
| Net loans and leases to total assets | 39.5164% | 4,856 |
| Net loans and leases to deposits | 47.6253% | 4,858 |
| Net loans and leases to core deposits | 48.9976% | 4,884 |
| Total domestic deposits to total assets | 82.9736% | 3,215 |
| Equity capital to assets | 8.0692% | 5,162 |
| Core capital (leverage) ratio | 8.9864% | 4,636 |
| Tier 1 risk-based capital ratio | 15.0684% | 2,806 |
| Total risk-based capital ratio | 16.3190% | 2,726 |
| Memoranda: | ||
| Average total assets | $622,736,330 | 1,191 |
| Average earning assets | $591,519,000 | 1,160 |
| Average equity | $49,223,670 | 1,618 |
| Average total loans | $263,681,670 | 1,773 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,688 |
| Cost of funding earning assets | 0.5426% | 3,862 |
| Net interest margin | 3.7134% | 2,846 |
| Noninterest income to average assets | 1.0352% | 744 |
| Noninterest expense to average assets | 4.0416% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3764% | 4,779 |
| Return on assets (ROA) | 0.3677% | 4,807 |
| Pretax return on assets | 0.5072% | 4,667 |
| Return on Equity (ROE) | 4.7024% | 4,408 |
| Retained earnings to average equity (ytd only) | -0.0917% | 4,541 |
| Net charge-offs to loans | 0.2926% | 507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.0769% | 2,349 |
| Efficiency ratio | 88.6347% | 454 |
| Assets per employee ($millions) | 4.9419% | 2,595 |
| Cash dividends to net income (ytd only)* | 101.9504% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 857 |
| Loan loss allowance to noncurrent loans | 371.6029% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 2,597 |
| Noncurrent loans to loans | 0.4577% | 2,941 |
| Net loans and leases to total assets | 42.7296% | 4,801 |
| Net loans and leases to deposits | 51.1247% | 4,779 |
| Net loans and leases to core deposits | 52.6384% | 4,823 |
| Total domestic deposits to total assets | 83.5790% | 3,193 |
| Equity capital to assets | 7.8661% | 5,212 |
| Core capital (leverage) ratio | 9.0777% | 4,598 |
| Tier 1 risk-based capital ratio | 14.3470% | 3,173 |
| Total risk-based capital ratio | 15.5977% | 3,104 |
| Memoranda: | ||
| Average total assets | $613,620,000 | 1,207 |
| Average earning assets | $582,425,000 | 1,181 |
| Average equity | $47,975,000 | 1,642 |
| Average total loans | $266,600,500 | 1,773 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,573 |
| Cost of funding earning assets | 0.4404% | 3,736 |
| Net interest margin | 3.7125% | 2,985 |
| Noninterest income to average assets | 1.1798% | 667 |
| Noninterest expense to average assets | 4.1227% | 456 |
| Loan and lease loss provision to assets | 0.0252% | 3,667 |
| Net operating income to assets | 0.4258% | 4,818 |
| Return on assets (ROA) | 0.4354% | 4,793 |
| Pretax return on assets | 0.5596% | 4,707 |
| Return on Equity (ROE) | 5.5471% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,631 |
| Net charge-offs to loans | -0.0040% | 4,311 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8020% | 441 |
| Assets per employee ($millions) | 5.3938% | 2,064 |
| Cash dividends to net income (ytd only)* | 35.9490% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 680 |
| Loan loss allowance to noncurrent loans | 374.0770% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 2,508 |
| Noncurrent loans to loans | 0.4810% | 2,834 |
| Net loans and leases to total assets | 42.6439% | 4,860 |
| Net loans and leases to deposits | 50.8132% | 4,861 |
| Net loans and leases to core deposits | 51.9980% | 4,893 |
| Total domestic deposits to total assets | 83.9229% | 3,020 |
| Equity capital to assets | 7.7700% | 5,226 |
| Core capital (leverage) ratio | 9.1065% | 4,553 |
| Tier 1 risk-based capital ratio | 14.6162% | 3,013 |
| Total risk-based capital ratio | 15.8672% | 2,932 |
| Memoranda: | ||
| Average total assets | $594,156,200 | 1,212 |
| Average earning assets | $562,637,000 | 1,200 |
| Average equity | $46,636,800 | 1,609 |
| Average total loans | $252,765,200 | 1,808 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,516 |
| Cost of funding earning assets | 0.4121% | 3,774 |
| Net interest margin | 3.7231% | 2,925 |
| Noninterest income to average assets | 1.1679% | 692 |
| Noninterest expense to average assets | 4.1215% | 447 |
| Loan and lease loss provision to assets | 0.0339% | 3,338 |
| Net operating income to assets | 0.4161% | 4,922 |
| Return on assets (ROA) | 0.4257% | 4,913 |
| Pretax return on assets | 0.5470% | 4,821 |
| Return on Equity (ROE) | 5.4099% | 4,442 |
| Retained earnings to average equity (ytd only) | 3.1139% | 4,193 |
| Net charge-offs to loans | -0.0037% | 4,172 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8744% | 410 |
| Assets per employee ($millions) | 5.2329% | 2,192 |
| Cash dividends to net income (ytd only)* | 42.4403% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 641 |
| Loan loss allowance to noncurrent loans | 368.3437% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 2,499 |
| Noncurrent loans to loans | 0.5062% | 2,869 |
| Net loans and leases to total assets | 41.6200% | 4,976 |
| Net loans and leases to deposits | 50.5413% | 4,937 |
| Net loans and leases to core deposits | 52.1186% | 4,969 |
| Total domestic deposits to total assets | 82.3484% | 3,510 |
| Equity capital to assets | 7.5599% | 5,295 |
| Core capital (leverage) ratio | 9.0718% | 4,637 |
| Tier 1 risk-based capital ratio | 14.8507% | 2,945 |
| Total risk-based capital ratio | 16.1025% | 2,866 |
| Memoranda: | ||
| Average total assets | $590,320,500 | 1,226 |
| Average earning assets | $558,474,250 | 1,206 |
| Average equity | $46,456,500 | 1,617 |
| Average total loans | $249,787,500 | 1,829 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,672 |
| Cost of funding earning assets | 0.3794% | 3,876 |
| Net interest margin | 3.6543% | 3,101 |
| Noninterest income to average assets | 1.1836% | 682 |
| Noninterest expense to average assets | 4.2169% | 403 |
| Loan and lease loss provision to assets | 0.0512% | 2,894 |
| Net operating income to assets | 0.2755% | 5,154 |
| Return on assets (ROA) | 0.2844% | 5,135 |
| Pretax return on assets | 0.3850% | 5,058 |
| Return on Equity (ROE) | 3.5658% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.7107% | 4,164 |
| Net charge-offs to loans | -0.0024% | 3,978 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8463% | 339 |
| Assets per employee ($millions) | 4.9917% | 2,429 |
| Cash dividends to net income (ytd only)* | 23.9808% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 724 |
| Loan loss allowance to noncurrent loans | 369.1770% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,466 |
| Noncurrent loans to loans | 0.4932% | 2,953 |
| Net loans and leases to total assets | 43.5288% | 4,928 |
| Net loans and leases to deposits | 51.5335% | 4,926 |
| Net loans and leases to core deposits | 53.0201% | 4,958 |
| Total domestic deposits to total assets | 84.4671% | 2,885 |
| Equity capital to assets | 7.7972% | 5,296 |
| Core capital (leverage) ratio | 9.0165% | 4,675 |
| Tier 1 risk-based capital ratio | 14.3849% | 3,164 |
| Total risk-based capital ratio | 15.6363% | 3,085 |
| Memoranda: | ||
| Average total assets | $586,500,330 | 1,232 |
| Average earning assets | $555,024,670 | 1,209 |
| Average equity | $46,777,330 | 1,609 |
| Average total loans | $247,976,670 | 1,848 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 3,998 |
| Cost of funding earning assets | 0.3325% | 4,119 |
| Net interest margin | 3.5433% | 3,372 |
| Noninterest income to average assets | 1.2200% | 623 |
| Noninterest expense to average assets | 4.2622% | 370 |
| Loan and lease loss provision to assets | 0.0683% | 2,398 |
| Net operating income to assets | 0.1784% | 5,265 |
| Return on assets (ROA) | 0.1784% | 5,261 |
| Pretax return on assets | 0.2467% | 5,222 |
| Return on Equity (ROE) | 2.2117% | 5,152 |
| Retained earnings to average equity (ytd only) | 1.3643% | 4,524 |
| Net charge-offs to loans | 0.0099% | 2,392 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 76.8333% | 725 |
| Efficiency ratio | 93.1163% | 331 |
| Assets per employee ($millions) | 4.8574% | 2,669 |
| Cash dividends to net income (ytd only)* | 38.3142% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 688 |
| Loan loss allowance to noncurrent loans | 359.8467% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 2,508 |
| Noncurrent loans to loans | 0.5221% | 2,954 |
| Net loans and leases to total assets | 42.4328% | 4,960 |
| Net loans and leases to deposits | 51.1698% | 4,918 |
| Net loans and leases to core deposits | 51.9154% | 4,982 |
| Total domestic deposits to total assets | 82.9255% | 3,691 |
| Equity capital to assets | 7.9734% | 5,282 |
| Core capital (leverage) ratio | 9.3340% | 4,276 |
| Tier 1 risk-based capital ratio | 14.7686% | 2,999 |
| Total risk-based capital ratio | 16.0202% | 2,916 |
| Memoranda: | ||
| Average total assets | $585,240,000 | 1,243 |
| Average earning assets | $554,509,000 | 1,220 |
| Average equity | $47,202,500 | 1,604 |
| Average total loans | $241,390,500 | 1,892 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 4,413 |
| Cost of funding earning assets | 0.3685% | 3,533 |
| Net interest margin | 3.3007% | 4,163 |
| Noninterest income to average assets | 1.1014% | 842 |
| Noninterest expense to average assets | 3.9741% | 554 |
| Loan and lease loss provision to assets | 0.0086% | 4,095 |
| Net operating income to assets | -0.0008% | 5,361 |
| Return on assets (ROA) | 0.0876% | 5,276 |
| Pretax return on assets | 0.3648% | 5,129 |
| Return on Equity (ROE) | 1.0374% | 5,230 |
| Retained earnings to average equity (ytd only) | 0.1187% | 4,965 |
| Net charge-offs to loans | -0.0084% | 4,743 |
| Credit loss provision to net charge-offs | -263.1579% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4107% | 282 |
| Assets per employee ($millions) | 4.9785% | 2,505 |
| Cash dividends to net income (ytd only)* | 88.5602% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 559 |
| Loan loss allowance to noncurrent loans | 360.0939% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 2,607 |
| Noncurrent loans to loans | 0.5490% | 2,854 |
| Net loans and leases to total assets | 38.5194% | 5,196 |
| Net loans and leases to deposits | 46.3673% | 5,180 |
| Net loans and leases to core deposits | 47.0482% | 5,219 |
| Total domestic deposits to total assets | 83.0745% | 3,535 |
| Equity capital to assets | 8.1554% | 5,327 |
| Core capital (leverage) ratio | 9.0937% | 4,531 |
| Tier 1 risk-based capital ratio | 15.3827% | 2,668 |
| Total risk-based capital ratio | 16.6349% | 2,605 |
| Memoranda: | ||
| Average total assets | $578,470,800 | 1,236 |
| Average earning assets | $544,703,200 | 1,216 |
| Average equity | $48,874,200 | 1,548 |
| Average total loans | $225,743,800 | 1,962 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 4,451 |
| Cost of funding earning assets | 0.3717% | 3,449 |
| Net interest margin | 3.2749% | 4,241 |
| Noninterest income to average assets | 1.1003% | 842 |
| Noninterest expense to average assets | 3.9261% | 572 |
| Loan and lease loss provision to assets | 0.0116% | 3,909 |
| Net operating income to assets | 0.1427% | 5,404 |
| Return on assets (ROA) | 0.2574% | 5,305 |
| Pretax return on assets | 0.4204% | 5,154 |
| Return on Equity (ROE) | 3.0195% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.0701% | 4,612 |
| Net charge-offs to loans | -0.0018% | 4,311 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9515% | 289 |
| Assets per employee ($millions) | 4.9741% | 2,483 |
| Cash dividends to net income (ytd only)* | 31.4414% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 571 |
| Loan loss allowance to noncurrent loans | 390.3830% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,776 |
| Noncurrent loans to loans | 0.5113% | 3,172 |
| Net loans and leases to total assets | 39.0304% | 5,231 |
| Net loans and leases to deposits | 48.2519% | 5,181 |
| Net loans and leases to core deposits | 49.0300% | 5,232 |
| Total domestic deposits to total assets | 80.8889% | 4,082 |
| Equity capital to assets | 8.6453% | 5,193 |
| Core capital (leverage) ratio | 9.3531% | 4,345 |
| Tier 1 risk-based capital ratio | 15.0679% | 2,888 |
| Total risk-based capital ratio | 16.3200% | 2,819 |
| Memoranda: | ||
| Average total assets | $574,977,500 | 1,251 |
| Average earning assets | $540,498,250 | 1,230 |
| Average equity | $49,013,750 | 1,556 |
| Average total loans | $223,977,750 | 1,978 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,514 |
| Cost of funding earning assets | 0.3620% | 3,463 |
| Net interest margin | 3.2370% | 4,301 |
| Noninterest income to average assets | 1.0775% | 865 |
| Noninterest expense to average assets | 3.9199% | 585 |
| Loan and lease loss provision to assets | 0.0174% | 3,615 |
| Net operating income to assets | 0.1058% | 5,487 |
| Return on assets (ROA) | 0.2089% | 5,396 |
| Pretax return on assets | 0.3406% | 5,281 |
| Return on Equity (ROE) | 2.4629% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.1042% | 4,800 |
| Net charge-offs to loans | -0.0081% | 4,467 |
| Credit loss provision to net charge-offs | -555.5556% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2204% | 278 |
| Assets per employee ($millions) | 5.0800% | 2,303 |
| Cash dividends to net income (ytd only)* | 55.1667% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 555 |
| Loan loss allowance to noncurrent loans | 396.2036% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,872 |
| Noncurrent loans to loans | 0.5159% | 3,206 |
| Net loans and leases to total assets | 37.3432% | 5,324 |
| Net loans and leases to deposits | 45.6316% | 5,292 |
| Net loans and leases to core deposits | 46.3077% | 5,334 |
| Total domestic deposits to total assets | 81.8364% | 3,932 |
| Equity capital to assets | 8.4572% | 5,331 |
| Core capital (leverage) ratio | 9.2939% | 4,373 |
| Tier 1 risk-based capital ratio | 14.7977% | 3,014 |
| Total risk-based capital ratio | 16.0501% | 2,942 |
| Memoranda: | ||
| Average total assets | $574,305,330 | 1,259 |
| Average earning assets | $539,200,000 | 1,238 |
| Average equity | $48,724,000 | 1,566 |
| Average total loans | $222,040,330 | 1,995 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 4,534 |
| Cost of funding earning assets | 0.3569% | 3,455 |
| Net interest margin | 3.1979% | 4,350 |
| Noninterest income to average assets | 1.0931% | 829 |
| Noninterest expense to average assets | 3.8750% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1284% | 5,482 |
| Return on assets (ROA) | 0.1658% | 5,448 |
| Pretax return on assets | 0.2738% | 5,350 |
| Return on Equity (ROE) | 1.9515% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.3619% | 4,554 |
| Net charge-offs to loans | -0.0036% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7378% | 357 |
| Assets per employee ($millions) | 4.9862% | 2,467 |
| Cash dividends to net income (ytd only)* | 30.2128% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 626 |
| Loan loss allowance to noncurrent loans | 604.6667% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 2,120 |
| Noncurrent loans to loans | 0.3365% | 3,898 |
| Net loans and leases to total assets | 37.7451% | 5,337 |
| Net loans and leases to deposits | 46.1356% | 5,299 |
| Net loans and leases to core deposits | 46.8808% | 5,341 |
| Total domestic deposits to total assets | 81.8134% | 4,216 |
| Equity capital to assets | 8.4001% | 5,304 |
| Core capital (leverage) ratio | 9.3783% | 4,252 |
| Tier 1 risk-based capital ratio | 14.9681% | 2,982 |
| Total risk-based capital ratio | 16.2205% | 2,908 |
| Memoranda: | ||
| Average total assets | $566,817,000 | 1,269 |
| Average earning assets | $531,227,000 | 1,247 |
| Average equity | $48,167,500 | 1,582 |
| Average total loans | $220,736,000 | 2,020 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 4,615 |
| Cost of funding earning assets | 0.3464% | 3,556 |
| Net interest margin | 3.2129% | 4,407 |
| Noninterest income to average assets | 1.1456% | 867 |
| Noninterest expense to average assets | 3.9876% | 611 |
| Loan and lease loss provision to assets | 0.0090% | 4,189 |
| Net operating income to assets | 0.0881% | 5,575 |
| Return on assets (ROA) | 0.2159% | 5,451 |
| Pretax return on assets | 0.3518% | 5,294 |
| Return on Equity (ROE) | 2.4508% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.6496% | 4,593 |
| Net charge-offs to loans | 0.0064% | 4,036 |
| Credit loss provision to net charge-offs | 357.1429% | 858 |
| Earnings coverage of net charge-offs (x) | 63.7857% | 852 |
| Efficiency ratio | 96.1149% | 311 |
| Assets per employee ($millions) | 4.7865% | 2,675 |
| Cash dividends to net income (ytd only)* | 32.6923% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 572 |
| Loan loss allowance to noncurrent loans | 596.4474% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 2,088 |
| Noncurrent loans to loans | 0.3476% | 3,889 |
| Net loans and leases to total assets | 38.5578% | 5,380 |
| Net loans and leases to deposits | 47.4446% | 5,317 |
| Net loans and leases to core deposits | 48.2765% | 5,359 |
| Total domestic deposits to total assets | 81.2692% | 4,266 |
| Equity capital to assets | 8.5998% | 5,191 |
| Core capital (leverage) ratio | 9.4733% | 4,121 |
| Tier 1 risk-based capital ratio | 14.7162% | 3,095 |
| Total risk-based capital ratio | 15.9688% | 3,038 |
| Memoranda: | ||
| Average total assets | $554,020,200 | 1,251 |
| Average earning assets | $517,844,000 | 1,243 |
| Average equity | $48,800,800 | 1,557 |
| Average total loans | $220,033,600 | 1,974 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5148% | 4,768 |
| Cost of funding earning assets | 0.3453% | 3,590 |
| Net interest margin | 3.1695% | 4,577 |
| Noninterest income to average assets | 1.1524% | 859 |
| Noninterest expense to average assets | 3.9562% | 623 |
| Loan and lease loss provision to assets | 0.0120% | 4,007 |
| Net operating income to assets | 0.0853% | 5,640 |
| Return on assets (ROA) | 0.2386% | 5,475 |
| Pretax return on assets | 0.3857% | 5,330 |
| Return on Equity (ROE) | 2.6930% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.8370% | 4,767 |
| Net charge-offs to loans | -0.0006% | 4,423 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1550% | 311 |
| Assets per employee ($millions) | 4.9758% | 2,394 |
| Cash dividends to net income (ytd only)* | 31.7861% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0769% | 629 |
| Loan loss allowance to noncurrent loans | 568.5000% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 2,316 |
| Noncurrent loans to loans | 0.3653% | 3,949 |
| Net loans and leases to total assets | 37.4737% | 5,493 |
| Net loans and leases to deposits | 45.6576% | 5,464 |
| Net loans and leases to core deposits | 46.4290% | 5,496 |
| Total domestic deposits to total assets | 82.0754% | 3,917 |
| Equity capital to assets | 8.8020% | 5,316 |
| Core capital (leverage) ratio | 9.6104% | 4,042 |
| Tier 1 risk-based capital ratio | 14.8364% | 3,134 |
| Total risk-based capital ratio | 16.0891% | 3,067 |
| Memoranda: | ||
| Average total assets | $553,716,250 | 1,258 |
| Average earning assets | $517,462,250 | 1,237 |
| Average equity | $49,063,750 | 1,552 |
| Average total loans | $220,387,000 | 1,976 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 4,774 |
| Cost of funding earning assets | 0.3479% | 3,595 |
| Net interest margin | 3.1911% | 4,568 |
| Noninterest income to average assets | 1.1838% | 803 |
| Noninterest expense to average assets | 3.9982% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1005% | 5,667 |
| Return on assets (ROA) | 0.3057% | 5,397 |
| Pretax return on assets | 0.4880% | 5,156 |
| Return on Equity (ROE) | 3.4424% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.4964% | 4,294 |
| Net charge-offs to loans | -0.0018% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9839% | 345 |
| Assets per employee ($millions) | 4.8327% | 2,512 |
| Cash dividends to net income (ytd only)* | 27.4791% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0022% | 731 |
| Loan loss allowance to noncurrent loans | 572.3919% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,302 |
| Noncurrent loans to loans | 0.3498% | 4,118 |
| Net loans and leases to total assets | 39.9698% | 5,423 |
| Net loans and leases to deposits | 49.3050% | 5,367 |
| Net loans and leases to core deposits | 50.2493% | 5,419 |
| Total domestic deposits to total assets | 81.0665% | 4,255 |
| Equity capital to assets | 9.0429% | 5,207 |
| Core capital (leverage) ratio | 9.3664% | 4,380 |
| Tier 1 risk-based capital ratio | 14.3525% | 3,403 |
| Total risk-based capital ratio | 15.6051% | 3,324 |
| Memoranda: | ||
| Average total assets | $547,548,330 | 1,272 |
| Average earning assets | $511,605,330 | 1,262 |
| Average equity | $48,629,330 | 1,565 |
| Average total loans | $220,823,330 | 1,976 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 4,699 |
| Cost of funding earning assets | 0.3472% | 3,628 |
| Net interest margin | 3.2242% | 4,502 |
| Noninterest income to average assets | 1.1725% | 801 |
| Noninterest expense to average assets | 3.9351% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1551% | 5,605 |
| Return on assets (ROA) | 0.2616% | 5,474 |
| Pretax return on assets | 0.4118% | 5,285 |
| Return on Equity (ROE) | 2.9729% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.6405% | 4,616 |
| Net charge-offs to loans | -0.0292% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1280% | 443 |
| Assets per employee ($millions) | 4.8468% | 2,515 |
| Cash dividends to net income (ytd only)* | 44.8179% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 744 |
| Loan loss allowance to noncurrent loans | 551.0379% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 2,361 |
| Noncurrent loans to loans | 0.3730% | 4,098 |
| Net loans and leases to total assets | 39.2644% | 5,496 |
| Net loans and leases to deposits | 48.1052% | 5,415 |
| Net loans and leases to core deposits | 49.0226% | 5,478 |
| Total domestic deposits to total assets | 81.6219% | 4,323 |
| Equity capital to assets | 8.6467% | 5,460 |
| Core capital (leverage) ratio | 9.1235% | 4,702 |
| Tier 1 risk-based capital ratio | 13.7612% | 3,829 |
| Total risk-based capital ratio | 15.0174% | 3,761 |
| Memoranda: | ||
| Average total assets | $545,858,500 | 1,275 |
| Average earning assets | $509,272,000 | 1,268 |
| Average equity | $48,034,000 | 1,572 |
| Average total loans | $218,883,000 | 1,991 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 5,151 |
| Cost of funding earning assets | 0.3447% | 3,748 |
| Net interest margin | 3.0589% | 5,007 |
| Noninterest income to average assets | 1.2141% | 811 |
| Noninterest expense to average assets | 3.9614% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0716% | 5,788 |
| Return on assets (ROA) | 0.2278% | 5,586 |
| Pretax return on assets | 0.3563% | 5,417 |
| Return on Equity (ROE) | 2.4326% | 5,472 |
| Retained earnings to average equity (ytd only) | 1.1895% | 5,031 |
| Net charge-offs to loans | 0.0780% | 2,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.8903% | 3,644 |
| Efficiency ratio | 97.2428% | 359 |
| Assets per employee ($millions) | 4.7722% | 2,644 |
| Cash dividends to net income (ytd only)* | 51.1038% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 721 |
| Loan loss allowance to noncurrent loans | 475.3700% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 1,959 |
| Noncurrent loans to loans | 0.4335% | 3,912 |
| Net loans and leases to total assets | 39.2828% | 5,553 |
| Net loans and leases to deposits | 48.9753% | 5,443 |
| Net loans and leases to core deposits | 49.9612% | 5,500 |
| Total domestic deposits to total assets | 80.2094% | 4,699 |
| Equity capital to assets | 8.9538% | 5,171 |
| Core capital (leverage) ratio | 9.3106% | 4,458 |
| Tier 1 risk-based capital ratio | 13.9179% | 3,761 |
| Total risk-based capital ratio | 15.1741% | 3,684 |
| Memoranda: | ||
| Average total assets | $536,851,400 | 1,261 |
| Average earning assets | $501,883,800 | 1,245 |
| Average equity | $50,275,000 | 1,479 |
| Average total loans | $198,779,800 | 2,084 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 5,311 |
| Cost of funding earning assets | 0.3433% | 3,830 |
| Net interest margin | 3.0092% | 5,165 |
| Noninterest income to average assets | 1.2260% | 799 |
| Noninterest expense to average assets | 3.9464% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0626% | 5,885 |
| Return on assets (ROA) | 0.2390% | 5,668 |
| Pretax return on assets | 0.3733% | 5,518 |
| Return on Equity (ROE) | 2.5236% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.1289% | 5,262 |
| Net charge-offs to loans | 0.1018% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.6486% | 3,630 |
| Efficiency ratio | 97.5846% | 367 |
| Assets per employee ($millions) | 4.8924% | 2,428 |
| Cash dividends to net income (ytd only)* | 55.2662% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1853% | 686 |
| Loan loss allowance to noncurrent loans | 501.0011% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 2,103 |
| Noncurrent loans to loans | 0.4362% | 4,044 |
| Net loans and leases to total assets | 37.8044% | 5,713 |
| Net loans and leases to deposits | 48.0131% | 5,568 |
| Net loans and leases to core deposits | 49.3217% | 5,602 |
| Total domestic deposits to total assets | 78.7376% | 5,041 |
| Equity capital to assets | 9.3024% | 5,001 |
| Core capital (leverage) ratio | 9.5299% | 4,260 |
| Tier 1 risk-based capital ratio | 13.2067% | 4,316 |
| Total risk-based capital ratio | 14.4605% | 4,238 |
| Memoranda: | ||
| Average total assets | $535,057,500 | 1,274 |
| Average earning assets | $501,073,000 | 1,251 |
| Average equity | $50,666,000 | 1,473 |
| Average total loans | $193,923,250 | 2,144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 5,428 |
| Cost of funding earning assets | 0.3372% | 3,956 |
| Net interest margin | 2.9677% | 5,298 |
| Noninterest income to average assets | 1.1877% | 862 |
| Noninterest expense to average assets | 3.7935% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1144% | 5,856 |
| Return on assets (ROA) | 0.2673% | 5,621 |
| Pretax return on assets | 0.4092% | 5,446 |
| Return on Equity (ROE) | 2.8068% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.2152% | 5,072 |
| Net charge-offs to loans | -0.0158% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6145% | 450 |
| Assets per employee ($millions) | 4.6719% | 2,713 |
| Cash dividends to net income (ytd only)* | 56.7039% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4103% | 541 |
| Loan loss allowance to noncurrent loans | 254.1939% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 1,860 |
| Noncurrent loans to loans | 0.9482% | 2,755 |
| Net loans and leases to total assets | 35.1697% | 5,858 |
| Net loans and leases to deposits | 43.9694% | 5,767 |
| Net loans and leases to core deposits | 45.0694% | 5,802 |
| Total domestic deposits to total assets | 79.9869% | 4,874 |
| Equity capital to assets | 9.3299% | 4,860 |
| Core capital (leverage) ratio | 9.5749% | 4,170 |
| Tier 1 risk-based capital ratio | 13.8209% | 4,023 |
| Total risk-based capital ratio | 15.0753% | 3,951 |
| Memoranda: | ||
| Average total assets | $535,653,000 | 1,280 |
| Average earning assets | $501,737,330 | 1,258 |
| Average equity | $51,019,000 | 1,466 |
| Average total loans | $189,863,000 | 2,183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 5,440 |
| Cost of funding earning assets | 0.3293% | 4,104 |
| Net interest margin | 2.9767% | 5,278 |
| Noninterest income to average assets | 1.1517% | 862 |
| Noninterest expense to average assets | 3.6743% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1769% | 5,733 |
| Return on assets (ROA) | 0.3852% | 5,247 |
| Pretax return on assets | 0.5848% | 4,958 |
| Return on Equity (ROE) | 4.0027% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.5467% | 4,856 |
| Net charge-offs to loans | -0.0128% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1728% | 635 |
| Assets per employee ($millions) | 4.5227% | 3,016 |
| Cash dividends to net income (ytd only)* | 61.3592% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4435% | 575 |
| Loan loss allowance to noncurrent loans | 152.5712% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 1,962 |
| Noncurrent loans to loans | 1.6015% | 1,744 |
| Net loans and leases to total assets | 34.8475% | 5,885 |
| Net loans and leases to deposits | 44.7075% | 5,726 |
| Net loans and leases to core deposits | 45.8335% | 5,764 |
| Total domestic deposits to total assets | 77.9455% | 5,463 |
| Equity capital to assets | 9.3561% | 4,903 |
| Core capital (leverage) ratio | 9.4251% | 4,388 |
| Tier 1 risk-based capital ratio | 13.9904% | 4,027 |
| Total risk-based capital ratio | 15.2479% | 3,939 |
| Memoranda: | ||
| Average total assets | $534,843,500 | 1,278 |
| Average earning assets | $501,623,000 | 1,260 |
| Average equity | $51,465,000 | 1,469 |
| Average total loans | $187,982,500 | 2,197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3956% | 5,540 |
| Cost of funding earning assets | 0.3511% | 4,238 |
| Net interest margin | 3.0445% | 5,338 |
| Noninterest income to average assets | 1.1108% | 992 |
| Noninterest expense to average assets | 3.7055% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1648% | 5,840 |
| Return on assets (ROA) | 0.3279% | 5,514 |
| Pretax return on assets | 0.5064% | 5,233 |
| Return on Equity (ROE) | 3.3266% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.2575% | 4,635 |
| Net charge-offs to loans | 0.4383% | 966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.7723% | 4,335 |
| Efficiency ratio | 93.5484% | 620 |
| Assets per employee ($millions) | 4.5813% | 2,900 |
| Cash dividends to net income (ytd only)* | 32.1388% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5100% | 542 |
| Loan loss allowance to noncurrent loans | 243.6878% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 2,311 |
| Noncurrent loans to loans | 1.0300% | 2,765 |
| Net loans and leases to total assets | 33.7087% | 6,050 |
| Net loans and leases to deposits | 43.3805% | 5,902 |
| Net loans and leases to core deposits | 44.5269% | 5,944 |
| Total domestic deposits to total assets | 77.7046% | 5,486 |
| Equity capital to assets | 9.8876% | 4,247 |
| Core capital (leverage) ratio | 10.2177% | 3,289 |
| Tier 1 risk-based capital ratio | 15.5652% | 3,203 |
| Total risk-based capital ratio | 16.8172% | 3,132 |
| Memoranda: | ||
| Average total assets | $536,095,200 | 1,249 |
| Average earning assets | $501,883,000 | 1,226 |
| Average equity | $52,847,000 | 1,386 |
| Average total loans | $176,381,200 | 2,267 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 5,608 |
| Cost of funding earning assets | 0.3536% | 4,307 |
| Net interest margin | 3.0378% | 5,411 |
| Noninterest income to average assets | 1.1186% | 973 |
| Noninterest expense to average assets | 3.6198% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2193% | 5,808 |
| Return on assets (ROA) | 0.3952% | 5,343 |
| Pretax return on assets | 0.6155% | 4,979 |
| Return on Equity (ROE) | 4.0118% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.0398% | 4,453 |
| Net charge-offs to loans | 0.5528% | 687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.8975% | 4,046 |
| Efficiency ratio | 91.3972% | 744 |
| Assets per employee ($millions) | 4.5783% | 2,841 |
| Cash dividends to net income (ytd only)* | 24.2291% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6763% | 508 |
| Loan loss allowance to noncurrent loans | 119.4868% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 2,488 |
| Noncurrent loans to loans | 2.2398% | 1,352 |
| Net loans and leases to total assets | 32.2038% | 6,176 |
| Net loans and leases to deposits | 42.4338% | 6,032 |
| Net loans and leases to core deposits | 44.0947% | 6,037 |
| Total domestic deposits to total assets | 75.8918% | 5,832 |
| Equity capital to assets | 10.0351% | 4,123 |
| Core capital (leverage) ratio | 10.2401% | 3,355 |
| Tier 1 risk-based capital ratio | 16.0848% | 3,021 |
| Total risk-based capital ratio | 17.3376% | 2,966 |
| Memoranda: | ||
| Average total assets | $536,115,750 | 1,251 |
| Average earning assets | $501,527,250 | 1,236 |
| Average equity | $52,809,000 | 1,391 |
| Average total loans | $174,142,750 | 2,302 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,685 |
| Cost of funding earning assets | 0.3545% | 4,386 |
| Net interest margin | 3.0134% | 5,482 |
| Noninterest income to average assets | 1.1313% | 919 |
| Noninterest expense to average assets | 3.5564% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2518% | 5,706 |
| Return on assets (ROA) | 0.3459% | 5,487 |
| Pretax return on assets | 0.5333% | 5,180 |
| Return on Equity (ROE) | 3.5329% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.6022% | 4,540 |
| Net charge-offs to loans | 0.7580% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5881% | 3,765 |
| Efficiency ratio | 90.1489% | 909 |
| Assets per employee ($millions) | 4.5712% | 2,812 |
| Cash dividends to net income (ytd only)* | 26.3441% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7115% | 527 |
| Loan loss allowance to noncurrent loans | 227.6504% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 3,341 |
| Noncurrent loans to loans | 1.1911% | 2,850 |
| Net loans and leases to total assets | 31.9796% | 6,243 |
| Net loans and leases to deposits | 41.3961% | 6,096 |
| Net loans and leases to core deposits | 42.6265% | 6,126 |
| Total domestic deposits to total assets | 77.2528% | 5,769 |
| Equity capital to assets | 10.0386% | 4,051 |
| Core capital (leverage) ratio | 10.1310% | 3,434 |
| Tier 1 risk-based capital ratio | 15.9076% | 3,145 |
| Total risk-based capital ratio | 17.1606% | 3,077 |
| Memoranda: | ||
| Average total assets | $537,795,330 | 1,251 |
| Average earning assets | $502,158,330 | 1,229 |
| Average equity | $52,647,330 | 1,381 |
| Average total loans | $173,613,670 | 2,309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2569% | 5,921 |
| Cost of funding earning assets | 0.3543% | 4,495 |
| Net interest margin | 2.9026% | 5,747 |
| Noninterest income to average assets | 1.0985% | 926 |
| Noninterest expense to average assets | 3.5054% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2053% | 5,783 |
| Return on assets (ROA) | 0.2767% | 5,623 |
| Pretax return on assets | 0.4250% | 5,368 |
| Return on Equity (ROE) | 2.8623% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.0949% | 4,764 |
| Net charge-offs to loans | 1.2961% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7603% | 3,268 |
| Efficiency ratio | 91.7492% | 896 |
| Assets per employee ($millions) | 4.7828% | 2,543 |
| Cash dividends to net income (ytd only)* | 26.8097% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7733% | 562 |
| Loan loss allowance to noncurrent loans | 237.1345% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 3,094 |
| Noncurrent loans to loans | 1.1695% | 3,095 |
| Net loans and leases to total assets | 30.4859% | 6,335 |
| Net loans and leases to deposits | 39.8879% | 6,171 |
| Net loans and leases to core deposits | 41.3046% | 6,187 |
| Total domestic deposits to total assets | 76.4290% | 6,035 |
| Equity capital to assets | 9.3948% | 4,639 |
| Core capital (leverage) ratio | 10.2004% | 3,294 |
| Tier 1 risk-based capital ratio | 15.9540% | 3,190 |
| Total risk-based capital ratio | 17.2057% | 3,141 |
| Memoranda: | ||
| Average total assets | $539,276,000 | 1,253 |
| Average earning assets | $505,752,500 | 1,221 |
| Average equity | $52,126,000 | 1,389 |
| Average total loans | $172,518,000 | 2,318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 6,401 |
| Cost of funding earning assets | 0.4778% | 3,842 |
| Net interest margin | 2.4534% | 6,408 |
| Noninterest income to average assets | 1.0331% | 1,315 |
| Noninterest expense to average assets | 4.3433% | 603 |
| Loan and lease loss provision to assets | 0.2930% | 1,159 |
| Net operating income to assets | -0.8825% | 6,584 |
| Return on assets (ROA) | 0.1887% | 5,925 |
| Pretax return on assets | 0.3560% | 5,592 |
| Return on Equity (ROE) | 1.6675% | 5,940 |
| Retained earnings to average equity (ytd only) | -0.4573% | 5,965 |
| Net charge-offs to loans | 0.0358% | 4,729 |
| Credit loss provision to net charge-offs | 2,515.8730% | 91 |
| Earnings coverage of net charge-offs (x) | -88.0000% | 5,464 |
| Efficiency ratio | 128.5285% | 133 |
| Assets per employee ($millions) | 4.4356% | 3,017 |
| Cash dividends to net income (ytd only)* | 127.4241% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1992% | 371 |
| Loan loss allowance to noncurrent loans | 207.6158% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 2,876 |
| Noncurrent loans to loans | 1.5409% | 2,582 |
| Net loans and leases to total assets | 31.6302% | 6,411 |
| Net loans and leases to deposits | 41.6750% | 6,247 |
| Net loans and leases to core deposits | 43.3893% | 6,251 |
| Total domestic deposits to total assets | 75.8973% | 6,106 |
| Equity capital to assets | 9.9583% | 3,829 |
| Core capital (leverage) ratio | 10.4325% | 2,984 |
| Tier 1 risk-based capital ratio | 18.4636% | 2,094 |
| Total risk-based capital ratio | 19.7229% | 2,057 |
| Memoranda: | ||
| Average total assets | $541,014,600 | 1,225 |
| Average earning assets | $503,998,200 | 1,208 |
| Average equity | $61,229,800 | 1,173 |
| Average total loans | $175,901,600 | 2,242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8917% | 6,499 |
| Cost of funding earning assets | 0.5111% | 3,660 |
| Net interest margin | 2.3807% | 6,530 |
| Noninterest income to average assets | 1.0390% | 1,346 |
| Noninterest expense to average assets | 4.5308% | 504 |
| Loan and lease loss provision to assets | 0.3867% | 798 |
| Net operating income to assets | -1.1147% | 6,723 |
| Return on assets (ROA) | 0.2991% | 5,733 |
| Pretax return on assets | 0.5443% | 5,221 |
| Return on Equity (ROE) | 2.5695% | 5,762 |
| Retained earnings to average equity (ytd only) | 0.2808% | 5,857 |
| Net charge-offs to loans | 0.0511% | 4,171 |
| Credit loss provision to net charge-offs | 2,330.8824% | 141 |
| Earnings coverage of net charge-offs (x) | -77.0479% | 5,200 |
| Efficiency ratio | 136.1284% | 106 |
| Assets per employee ($millions) | 4.3906% | 3,068 |
| Cash dividends to net income (ytd only)* | 89.0697% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0861% | 503 |
| Loan loss allowance to noncurrent loans | 140.4145% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 2,579 |
| Noncurrent loans to loans | 2.1979% | 2,014 |
| Net loans and leases to total assets | 32.8524% | 6,415 |
| Net loans and leases to deposits | 42.3910% | 6,285 |
| Net loans and leases to core deposits | 45.0077% | 6,247 |
| Total domestic deposits to total assets | 77.4986% | 5,975 |
| Equity capital to assets | 11.6285% | 2,188 |
| Core capital (leverage) ratio | 11.3925% | 2,131 |
| Tier 1 risk-based capital ratio | 24.5147% | 932 |
| Total risk-based capital ratio | 25.7667% | 909 |
| Memoranda: | ||
| Average total assets | $546,526,750 | 1,228 |
| Average earning assets | $508,194,000 | 1,208 |
| Average equity | $63,617,250 | 1,143 |
| Average total loans | $177,483,250 | 2,229 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8114% | 6,603 |
| Cost of funding earning assets | 0.5685% | 3,231 |
| Net interest margin | 2.2429% | 6,660 |
| Noninterest income to average assets | 0.9885% | 1,562 |
| Noninterest expense to average assets | 4.4312% | 560 |
| Loan and lease loss provision to assets | 0.5701% | 451 |
| Net operating income to assets | -1.2519% | 6,783 |
| Return on assets (ROA) | 0.8327% | 3,289 |
| Pretax return on assets | 1.3320% | 2,180 |
| Return on Equity (ROE) | 7.1516% | 3,515 |
| Retained earnings to average equity (ytd only) | 4.3960% | 3,472 |
| Net charge-offs to loans | 0.0764% | 3,621 |
| Credit loss provision to net charge-offs | 2,330.8824% | 147 |
| Earnings coverage of net charge-offs (x) | -55.3971% | 4,899 |
| Efficiency ratio | 144.0482% | 85 |
| Assets per employee ($millions) | 4.3903% | 3,009 |
| Cash dividends to net income (ytd only)* | 38.5313% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0488% | 556 |
| Loan loss allowance to noncurrent loans | 67.5097% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.4936% | 1,698 |
| Noncurrent loans to loans | 4.5161% | 771 |
| Net loans and leases to total assets | 32.1729% | 6,499 |
| Net loans and leases to deposits | 41.0236% | 6,368 |
| Net loans and leases to core deposits | 43.4084% | 6,354 |
| Total domestic deposits to total assets | 78.4255% | 5,890 |
| Equity capital to assets | 11.5254% | 2,271 |
| Core capital (leverage) ratio | 11.4259% | 2,003 |
| Tier 1 risk-based capital ratio | 26.0624% | 766 |
| Total risk-based capital ratio | 27.3290% | 749 |
| Memoranda: | ||
| Average total assets | $556,006,670 | 1,203 |
| Average earning assets | $517,544,670 | 1,193 |
| Average equity | $64,741,000 | 1,119 |
| Average total loans | $178,103,000 | 2,219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9512% | 6,565 |
| Cost of funding earning assets | 0.5708% | 3,375 |
| Net interest margin | 2.3804% | 6,615 |
| Noninterest income to average assets | 0.9806% | 1,520 |
| Noninterest expense to average assets | 3.4461% | 1,731 |
| Loan and lease loss provision to assets | 1.1197% | 149 |
| Net operating income to assets | -0.9164% | 6,787 |
| Return on assets (ROA) | 3.1777% | 97 |
| Pretax return on assets | 5.0420% | 61 |
| Return on Equity (ROE) | 27.1596% | 101 |
| Retained earnings to average equity (ytd only) | 22.9812% | 83 |
| Net charge-offs to loans | -0.0314% | 5,915 |
| Credit loss provision to net charge-offs | -11,321.4286% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3267% | 372 |
| Assets per employee ($millions) | 4.7581% | 2,553 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1169% | 586 |
| Loan loss allowance to noncurrent loans | 74.9898% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2003% | 2,120 |
| Noncurrent loans to loans | 4.1564% | 1,063 |
| Net loans and leases to total assets | 29.7046% | 6,617 |
| Net loans and leases to deposits | 40.5663% | 6,393 |
| Net loans and leases to core deposits | 43.2675% | 6,354 |
| Total domestic deposits to total assets | 73.2248% | 6,585 |
| Equity capital to assets | 11.3797% | 2,550 |
| Core capital (leverage) ratio | 11.7220% | 1,732 |
| Tier 1 risk-based capital ratio | 27.9478% | 645 |
| Total risk-based capital ratio | 29.2125% | 629 |
| Memoranda: | ||
| Average total assets | $566,201,000 | 1,199 |
| Average earning assets | $530,499,000 | 1,163 |
| Average equity | $66,245,500 | 1,108 |
| Average total loans | $178,283,000 | 2,230 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 5,029 |
| Cost of funding earning assets | 0.7099% | 3,414 |
| Net interest margin | 3.3669% | 5,013 |
| Noninterest income to average assets | 1.0416% | 1,431 |
| Noninterest expense to average assets | 3.7529% | 1,324 |
| Loan and lease loss provision to assets | 0.0416% | 5,336 |
| Net operating income to assets | 0.2271% | 5,710 |
| Return on assets (ROA) | 0.4862% | 4,991 |
| Pretax return on assets | 0.7764% | 4,383 |
| Return on Equity (ROE) | 3.9425% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.6888% | 4,344 |
| Net charge-offs to loans | 0.3400% | 2,934 |
| Credit loss provision to net charge-offs | 34.4037% | 5,034 |
| Earnings coverage of net charge-offs (x) | 3.4159% | 3,736 |
| Efficiency ratio | 90.0826% | 1,064 |
| Assets per employee ($millions) | 4.6389% | 2,718 |
| Cash dividends to net income (ytd only)* | 31.7992% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1678% | 1,606 |
| Loan loss allowance to noncurrent loans | 36.5586% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 2.8971% | 1,641 |
| Noncurrent loans to loans | 5.9297% | 605 |
| Net loans and leases to total assets | 31.6421% | 6,641 |
| Net loans and leases to deposits | 43.1332% | 6,416 |
| Net loans and leases to core deposits | 47.4376% | 6,303 |
| Total domestic deposits to total assets | 73.3589% | 6,592 |
| Equity capital to assets | 12.0313% | 2,028 |
| Core capital (leverage) ratio | 10.8476% | 2,393 |
| Tier 1 risk-based capital ratio | 21.7636% | 1,311 |
| Total risk-based capital ratio | 23.0160% | 1,287 |
| Memoranda: | ||
| Average total assets | $540,695,000 | 1,235 |
| Average earning assets | $501,761,800 | 1,211 |
| Average equity | $66,684,000 | 1,058 |
| Average total loans | $192,341,200 | 2,075 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 4,709 |
| Cost of funding earning assets | 0.7376% | 3,459 |
| Net interest margin | 3.4925% | 4,679 |
| Noninterest income to average assets | 1.1900% | 1,069 |
| Noninterest expense to average assets | 3.9114% | 1,051 |
| Loan and lease loss provision to assets | 0.0559% | 5,038 |
| Net operating income to assets | 0.2815% | 5,674 |
| Return on assets (ROA) | 0.6293% | 4,501 |
| Pretax return on assets | 1.0007% | 3,710 |
| Return on Equity (ROE) | 5.0701% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.7970% | 4,222 |
| Net charge-offs to loans | 0.1317% | 4,065 |
| Credit loss provision to net charge-offs | 116.5803% | 2,495 |
| Earnings coverage of net charge-offs (x) | 10.7045% | 2,154 |
| Efficiency ratio | 88.4004% | 1,153 |
| Assets per employee ($millions) | 4.5476% | 2,824 |
| Cash dividends to net income (ytd only)* | 25.1086% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 1,283 |
| Loan loss allowance to noncurrent loans | 33.0482% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 3.1635% | 1,636 |
| Noncurrent loans to loans | 7.3883% | 469 |
| Net loans and leases to total assets | 30.6805% | 6,790 |
| Net loans and leases to deposits | 42.5736% | 6,570 |
| Net loans and leases to core deposits | 45.5035% | 6,536 |
| Total domestic deposits to total assets | 72.0645% | 6,738 |
| Equity capital to assets | 11.9438% | 2,308 |
| Core capital (leverage) ratio | 10.9057% | 2,480 |
| Tier 1 risk-based capital ratio | 21.8276% | 1,361 |
| Total risk-based capital ratio | 23.0807% | 1,332 |
| Memoranda: | ||
| Average total assets | $536,702,000 | 1,258 |
| Average earning assets | $497,089,750 | 1,237 |
| Average equity | $66,611,500 | 1,061 |
| Average total loans | $195,415,500 | 2,073 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 4,093 |
| Cost of funding earning assets | 0.7760% | 3,395 |
| Net interest margin | 3.6472% | 4,052 |
| Noninterest income to average assets | 1.0762% | 1,236 |
| Noninterest expense to average assets | 3.8927% | 1,084 |
| Loan and lease loss provision to assets | 0.0855% | 4,517 |
| Net operating income to assets | 0.2909% | 5,653 |
| Return on assets (ROA) | 0.7683% | 3,792 |
| Pretax return on assets | 1.2100% | 2,875 |
| Return on Equity (ROE) | 6.1072% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.7897% | 3,420 |
| Net charge-offs to loans | 0.1821% | 3,501 |
| Credit loss provision to net charge-offs | 122.9508% | 2,228 |
| Earnings coverage of net charge-offs (x) | 7.9016% | 2,397 |
| Efficiency ratio | 87.6262% | 1,268 |
| Assets per employee ($millions) | 4.2756% | 3,300 |
| Cash dividends to net income (ytd only)* | 21.5735% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2417% | 1,688 |
| Loan loss allowance to noncurrent loans | 30.0027% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 3.7542% | 1,383 |
| Noncurrent loans to loans | 7.4715% | 492 |
| Net loans and leases to total assets | 35.9867% | 6,610 |
| Net loans and leases to deposits | 51.8057% | 6,038 |
| Net loans and leases to core deposits | 55.8459% | 5,961 |
| Total domestic deposits to total assets | 69.4647% | 6,931 |
| Equity capital to assets | 12.7286% | 1,669 |
| Core capital (leverage) ratio | 10.8196% | 2,461 |
| Tier 1 risk-based capital ratio | 20.1413% | 1,678 |
| Total risk-based capital ratio | 21.3942% | 1,641 |
| Memoranda: | ||
| Average total assets | $526,118,330 | 1,287 |
| Average earning assets | $485,572,000 | 1,271 |
| Average equity | $66,183,670 | 1,062 |
| Average total loans | $200,964,330 | 2,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 4,117 |
| Cost of funding earning assets | 0.8021% | 3,459 |
| Net interest margin | 3.6475% | 4,053 |
| Noninterest income to average assets | 1.0990% | 1,173 |
| Noninterest expense to average assets | 3.6902% | 1,391 |
| Loan and lease loss provision to assets | 0.1717% | 3,251 |
| Net operating income to assets | 0.3816% | 5,337 |
| Return on assets (ROA) | 0.3816% | 5,522 |
| Pretax return on assets | 0.6106% | 5,082 |
| Return on Equity (ROE) | 3.0519% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.6114% | 5,435 |
| Net charge-offs to loans | -0.0765% | 6,703 |
| Credit loss provision to net charge-offs | -576.9231% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5085% | 1,873 |
| Assets per employee ($millions) | 4.1499% | 3,687 |
| Cash dividends to net income (ytd only)* | 47.2000% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3135% | 1,651 |
| Loan loss allowance to noncurrent loans | 48.1257% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.8455% | 2,053 |
| Noncurrent loans to loans | 4.8073% | 1,181 |
| Net loans and leases to total assets | 36.5338% | 6,590 |
| Net loans and leases to deposits | 51.9946% | 5,970 |
| Net loans and leases to core deposits | 56.4147% | 5,871 |
| Total domestic deposits to total assets | 70.2646% | 6,969 |
| Equity capital to assets | 12.3557% | 1,816 |
| Core capital (leverage) ratio | 10.7891% | 2,452 |
| Tier 1 risk-based capital ratio | 19.4683% | 1,849 |
| Total risk-based capital ratio | 20.7228% | 1,816 |
| Memoranda: | ||
| Average total assets | $524,089,000 | 1,293 |
| Average earning assets | $484,711,500 | 1,284 |
| Average equity | $65,533,500 | 1,073 |
| Average total loans | $203,862,500 | 1,998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 3,250 |
| Cost of funding earning assets | 0.9856% | 3,475 |
| Net interest margin | 3.9372% | 3,167 |
| Noninterest income to average assets | 1.1847% | 945 |
| Noninterest expense to average assets | 4.1347% | 871 |
| Loan and lease loss provision to assets | -0.1425% | 7,293 |
| Net operating income to assets | 0.5074% | 4,391 |
| Return on assets (ROA) | 0.5644% | 4,358 |
| Pretax return on assets | 0.8967% | 3,615 |
| Return on Equity (ROE) | 4.8906% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.0389% | 3,320 |
| Net charge-offs to loans | 1.1171% | 1,537 |
| Credit loss provision to net charge-offs | -28.4202% | 6,639 |
| Earnings coverage of net charge-offs (x) | 1.3261% | 4,782 |
| Efficiency ratio | 86.1432% | 1,550 |
| Assets per employee ($millions) | 3.9166% | 4,035 |
| Cash dividends to net income (ytd only)* | 17.4155% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 2,077 |
| Loan loss allowance to noncurrent loans | 43.8031% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.1557% | 1,895 |
| Noncurrent loans to loans | 4.7315% | 1,237 |
| Net loans and leases to total assets | 39.6009% | 6,566 |
| Net loans and leases to deposits | 57.0048% | 5,802 |
| Net loans and leases to core deposits | 61.1016% | 5,743 |
| Total domestic deposits to total assets | 69.4694% | 7,012 |
| Equity capital to assets | 12.6570% | 1,689 |
| Core capital (leverage) ratio | 10.8756% | 2,374 |
| Tier 1 risk-based capital ratio | 19.4904% | 1,764 |
| Total risk-based capital ratio | 20.7433% | 1,729 |
| Memoranda: | ||
| Average total assets | $508,651,800 | 1,313 |
| Average earning assets | $467,031,600 | 1,314 |
| Average equity | $58,704,800 | 1,157 |
| Average total loans | $228,359,600 | 1,817 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 3,204 |
| Cost of funding earning assets | 1.0256% | 3,500 |
| Net interest margin | 3.9512% | 3,152 |
| Noninterest income to average assets | 1.2089% | 900 |
| Noninterest expense to average assets | 4.1949% | 802 |
| Loan and lease loss provision to assets | -0.2303% | 7,390 |
| Net operating income to assets | 0.5428% | 4,348 |
| Return on assets (ROA) | 0.5846% | 4,340 |
| Pretax return on assets | 0.9254% | 3,671 |
| Return on Equity (ROE) | 5.1932% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.0241% | 3,855 |
| Net charge-offs to loans | 1.3271% | 1,151 |
| Credit loss provision to net charge-offs | -37.6993% | 6,455 |
| Earnings coverage of net charge-offs (x) | 1.0310% | 4,857 |
| Efficiency ratio | 86.9456% | 1,444 |
| Assets per employee ($millions) | 3.8763% | 4,127 |
| Cash dividends to net income (ytd only)* | 22.5124% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 2,301 |
| Loan loss allowance to noncurrent loans | 49.9660% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 3.0006% | 2,139 |
| Noncurrent loans to loans | 4.0288% | 1,645 |
| Net loans and leases to total assets | 42.2924% | 6,482 |
| Net loans and leases to deposits | 59.8377% | 5,650 |
| Net loans and leases to core deposits | 64.8926% | 5,534 |
| Total domestic deposits to total assets | 70.6785% | 7,003 |
| Equity capital to assets | 12.8155% | 1,709 |
| Core capital (leverage) ratio | 10.9628% | 2,423 |
| Tier 1 risk-based capital ratio | 18.8750% | 1,974 |
| Total risk-based capital ratio | 20.1278% | 1,940 |
| Memoranda: | ||
| Average total assets | $506,565,750 | 1,325 |
| Average earning assets | $463,580,000 | 1,326 |
| Average equity | $57,022,000 | 1,192 |
| Average total loans | $233,182,500 | 1,804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 3,042 |
| Cost of funding earning assets | 1.0698% | 3,474 |
| Net interest margin | 3.9545% | 3,070 |
| Noninterest income to average assets | 1.2293% | 837 |
| Noninterest expense to average assets | 4.4556% | 627 |
| Loan and lease loss provision to assets | -0.4840% | 7,479 |
| Net operating income to assets | 0.5525% | 4,301 |
| Return on assets (ROA) | 0.6097% | 4,143 |
| Pretax return on assets | 0.9546% | 3,410 |
| Return on Equity (ROE) | 5.6794% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.5752% | 3,276 |
| Net charge-offs to loans | 1.8339% | 748 |
| Credit loss provision to net charge-offs | -56.1669% | 6,258 |
| Earnings coverage of net charge-offs (x) | 0.4425% | 4,970 |
| Efficiency ratio | 92.1167% | 1,090 |
| Assets per employee ($millions) | 3.9438% | 3,882 |
| Cash dividends to net income (ytd only)* | 19.4426% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 2,910 |
| Loan loss allowance to noncurrent loans | 65.2484% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.4923% | 2,677 |
| Noncurrent loans to loans | 2.7939% | 2,602 |
| Net loans and leases to total assets | 44.1402% | 6,424 |
| Net loans and leases to deposits | 62.4661% | 5,452 |
| Net loans and leases to core deposits | 67.7498% | 5,316 |
| Total domestic deposits to total assets | 70.6626% | 7,077 |
| Equity capital to assets | 11.0781% | 2,878 |
| Core capital (leverage) ratio | 9.8183% | 3,493 |
| Tier 1 risk-based capital ratio | 15.8673% | 3,050 |
| Total risk-based capital ratio | 17.1024% | 3,031 |
| Memoranda: | ||
| Average total assets | $506,155,000 | 1,334 |
| Average earning assets | $461,748,330 | 1,335 |
| Average equity | $54,337,000 | 1,238 |
| Average total loans | $237,852,670 | 1,793 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 2,936 |
| Cost of funding earning assets | 1.1012% | 3,510 |
| Net interest margin | 3.9325% | 2,989 |
| Noninterest income to average assets | 1.1923% | 906 |
| Noninterest expense to average assets | 3.8888% | 1,187 |
| Loan and lease loss provision to assets | 0.1790% | 3,828 |
| Net operating income to assets | 0.4586% | 4,666 |
| Return on assets (ROA) | 0.4757% | 4,673 |
| Pretax return on assets | 0.7326% | 4,178 |
| Return on Equity (ROE) | 4.5041% | 4,653 |
| Retained earnings to average equity (ytd only) | 3.3743% | 4,163 |
| Net charge-offs to loans | 1.2206% | 1,140 |
| Credit loss provision to net charge-offs | 30.5292% | 4,109 |
| Earnings coverage of net charge-offs (x) | 1.5102% | 3,574 |
| Efficiency ratio | 81.4562% | 2,311 |
| Assets per employee ($millions) | 3.7299% | 4,477 |
| Cash dividends to net income (ytd only)* | 25.0836% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9891% | 925 |
| Loan loss allowance to noncurrent loans | 86.9411% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 3.1270% | 2,207 |
| Noncurrent loans to loans | 3.4381% | 2,183 |
| Net loans and leases to total assets | 46.0838% | 6,280 |
| Net loans and leases to deposits | 65.9288% | 4,987 |
| Net loans and leases to core deposits | 70.4963% | 4,978 |
| Total domestic deposits to total assets | 69.8993% | 7,183 |
| Equity capital to assets | 10.7313% | 2,949 |
| Core capital (leverage) ratio | 9.6241% | 3,628 |
| Tier 1 risk-based capital ratio | 14.9462% | 3,454 |
| Total risk-based capital ratio | 16.2084% | 3,408 |
| Memoranda: | ||
| Average total assets | $502,885,500 | 1,344 |
| Average earning assets | $458,030,000 | 1,350 |
| Average equity | $53,107,000 | 1,261 |
| Average total loans | $241,526,000 | 1,783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 5,126 |
| Cost of funding earning assets | 1.3453% | 3,607 |
| Net interest margin | 3.5325% | 5,104 |
| Noninterest income to average assets | 1.1004% | 1,225 |
| Noninterest expense to average assets | 3.7178% | 1,664 |
| Loan and lease loss provision to assets | 1.2117% | 1,286 |
| Net operating income to assets | -0.3285% | 6,243 |
| Return on assets (ROA) | -0.3018% | 6,260 |
| Pretax return on assets | -0.5649% | 6,369 |
| Return on Equity (ROE) | -2.8882% | 6,268 |
| Retained earnings to average equity (ytd only) | -4.2726% | 6,226 |
| Net charge-offs to loans | 5.5204% | 127 |
| Credit loss provision to net charge-offs | 42.7407% | 6,347 |
| Earnings coverage of net charge-offs (x) | 0.2134% | 5,892 |
| Efficiency ratio | 86.0020% | 1,696 |
| Assets per employee ($millions) | 3.7479% | 4,367 |
| Cash dividends to net income (ytd only)* | -47.9308% | 7,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0974% | 803 |
| Loan loss allowance to noncurrent loans | 88.3726% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 3.2439% | 2,175 |
| Noncurrent loans to loans | 3.5050% | 2,160 |
| Net loans and leases to total assets | 47.0423% | 6,473 |
| Net loans and leases to deposits | 65.1902% | 5,495 |
| Net loans and leases to core deposits | 68.7034% | 5,583 |
| Total domestic deposits to total assets | 72.1615% | 7,070 |
| Equity capital to assets | 10.3917% | 3,279 |
| Core capital (leverage) ratio | 9.0313% | 4,487 |
| Tier 1 risk-based capital ratio | 14.2558% | 3,711 |
| Total risk-based capital ratio | 15.5193% | 3,653 |
| Memoranda: | ||
| Average total assets | $536,422,600 | 1,252 |
| Average earning assets | $489,342,000 | 1,260 |
| Average equity | $56,054,800 | 1,182 |
| Average total loans | $275,488,400 | 1,624 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 5,090 |
| Cost of funding earning assets | 1.3713% | 3,770 |
| Net interest margin | 3.5657% | 5,036 |
| Noninterest income to average assets | 1.0842% | 1,213 |
| Noninterest expense to average assets | 3.7178% | 1,534 |
| Loan and lease loss provision to assets | 1.5195% | 868 |
| Net operating income to assets | -0.5055% | 6,591 |
| Return on assets (ROA) | -0.4987% | 6,637 |
| Pretax return on assets | -0.8882% | 6,795 |
| Return on Equity (ROE) | -4.7665% | 6,634 |
| Retained earnings to average equity (ytd only) | -6.2327% | 6,656 |
| Net charge-offs to loans | 6.4989% | 81 |
| Credit loss provision to net charge-offs | 44.9536% | 5,960 |
| Earnings coverage of net charge-offs (x) | 0.1837% | 5,828 |
| Efficiency ratio | 85.6917% | 1,663 |
| Assets per employee ($millions) | 3.7573% | 4,373 |
| Cash dividends to net income (ytd only)* | -30.7618% | 7,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3624% | 596 |
| Loan loss allowance to noncurrent loans | 70.3889% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 4.2019% | 1,633 |
| Noncurrent loans to loans | 4.7770% | 1,472 |
| Net loans and leases to total assets | 49.0678% | 6,426 |
| Net loans and leases to deposits | 68.3527% | 5,373 |
| Net loans and leases to core deposits | 72.3582% | 5,472 |
| Total domestic deposits to total assets | 71.7862% | 7,152 |
| Equity capital to assets | 10.9498% | 3,004 |
| Core capital (leverage) ratio | 9.3939% | 4,064 |
| Tier 1 risk-based capital ratio | 15.3168% | 3,093 |
| Total risk-based capital ratio | 16.5852% | 3,046 |
| Memoranda: | ||
| Average total assets | $544,037,750 | 1,250 |
| Average earning assets | $496,531,500 | 1,250 |
| Average equity | $56,924,000 | 1,170 |
| Average total loans | $282,954,500 | 1,598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 5,296 |
| Cost of funding earning assets | 1.3936% | 3,916 |
| Net interest margin | 3.5299% | 5,126 |
| Noninterest income to average assets | 1.0565% | 1,202 |
| Noninterest expense to average assets | 3.6184% | 1,736 |
| Loan and lease loss provision to assets | 0.2162% | 4,727 |
| Net operating income to assets | 0.3333% | 5,051 |
| Return on assets (ROA) | 0.3470% | 5,154 |
| Pretax return on assets | 0.4724% | 4,994 |
| Return on Equity (ROE) | 3.3643% | 5,072 |
| Retained earnings to average equity (ytd only) | 1.7014% | 5,026 |
| Net charge-offs to loans | 4.7822% | 227 |
| Credit loss provision to net charge-offs | 8.6294% | 5,952 |
| Earnings coverage of net charge-offs (x) | 0.2674% | 5,457 |
| Efficiency ratio | 84.3795% | 1,877 |
| Assets per employee ($millions) | 4.1187% | 3,543 |
| Cash dividends to net income (ytd only)* | 49.4289% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5097% | 537 |
| Loan loss allowance to noncurrent loans | 69.9775% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 4.1780% | 1,615 |
| Noncurrent loans to loans | 5.0154% | 1,373 |
| Net loans and leases to total assets | 48.5379% | 6,588 |
| Net loans and leases to deposits | 71.5589% | 5,064 |
| Net loans and leases to core deposits | 76.7025% | 5,115 |
| Total domestic deposits to total assets | 67.8293% | 7,434 |
| Equity capital to assets | 10.4822% | 3,433 |
| Core capital (leverage) ratio | 9.6789% | 3,568 |
| Tier 1 risk-based capital ratio | 14.9932% | 3,151 |
| Total risk-based capital ratio | 16.2631% | 3,115 |
| Memoranda: | ||
| Average total assets | $555,054,670 | 1,224 |
| Average earning assets | $508,168,670 | 1,224 |
| Average equity | $57,248,000 | 1,155 |
| Average total loans | $290,788,000 | 1,578 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1201% | 4,436 |
| Cost of funding earning assets | 1.4380% | 3,944 |
| Net interest margin | 3.6820% | 4,344 |
| Noninterest income to average assets | 1.0188% | 1,238 |
| Noninterest expense to average assets | 3.5796% | 1,788 |
| Loan and lease loss provision to assets | 0.2180% | 4,320 |
| Net operating income to assets | 0.4241% | 4,740 |
| Return on assets (ROA) | 0.4513% | 4,738 |
| Pretax return on assets | 0.6286% | 4,495 |
| Return on Equity (ROE) | 4.4122% | 4,702 |
| Retained earnings to average equity (ytd only) | 2.0960% | 4,875 |
| Net charge-offs to loans | 1.8718% | 922 |
| Credit loss provision to net charge-offs | 21.7865% | 4,927 |
| Earnings coverage of net charge-offs (x) | 0.8083% | 4,321 |
| Efficiency ratio | 81.5698% | 2,342 |
| Assets per employee ($millions) | 3.7332% | 4,487 |
| Cash dividends to net income (ytd only)* | 52.4960% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2280% | 149 |
| Loan loss allowance to noncurrent loans | 109.3577% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 3.1621% | 2,265 |
| Noncurrent loans to loans | 4.7806% | 1,537 |
| Net loans and leases to total assets | 50.6831% | 6,407 |
| Net loans and leases to deposits | 70.7033% | 5,240 |
| Net loans and leases to core deposits | 79.1947% | 4,868 |
| Total domestic deposits to total assets | 71.6841% | 7,292 |
| Equity capital to assets | 10.3881% | 3,359 |
| Core capital (leverage) ratio | 9.3423% | 3,986 |
| Tier 1 risk-based capital ratio | 14.8252% | 3,198 |
| Total risk-based capital ratio | 16.1144% | 3,134 |
| Memoranda: | ||
| Average total assets | $550,451,000 | 1,269 |
| Average earning assets | $503,744,000 | 1,267 |
| Average equity | $56,298,500 | 1,178 |
| Average total loans | $294,260,500 | 1,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 5,506 |
| Cost of funding earning assets | 1.6629% | 4,714 |
| Net interest margin | 3.5682% | 4,662 |
| Noninterest income to average assets | 1.1579% | 1,150 |
| Noninterest expense to average assets | 4.3770% | 899 |
| Loan and lease loss provision to assets | 2.9210% | 608 |
| Net operating income to assets | -2.0106% | 7,096 |
| Return on assets (ROA) | -1.8527% | 7,031 |
| Pretax return on assets | -2.6051% | 7,174 |
| Return on Equity (ROE) | -17.4413% | 7,056 |
| Retained earnings to average equity (ytd only) | -18.5236% | 7,051 |
| Net charge-offs to loans | 2.1526% | 1,123 |
| Credit loss provision to net charge-offs | 243.4380% | 1,460 |
| Earnings coverage of net charge-offs (x) | 0.0779% | 6,082 |
| Efficiency ratio | 80.6981% | 2,789 |
| Assets per employee ($millions) | 3.9144% | 3,992 |
| Cash dividends to net income (ytd only)* | -6.2052% | 7,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4930% | 128 |
| Loan loss allowance to noncurrent loans | 139.0963% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 2.7556% | 2,533 |
| Noncurrent loans to loans | 3.9491% | 1,873 |
| Net loans and leases to total assets | 50.5023% | 6,579 |
| Net loans and leases to deposits | 71.7668% | 5,361 |
| Net loans and leases to core deposits | 90.8516% | 5,041 |
| Total domestic deposits to total assets | 70.3700% | 7,388 |
| Equity capital to assets | 10.0704% | 3,664 |
| Core capital (leverage) ratio | 9.1663% | 4,171 |
| Tier 1 risk-based capital ratio | 14.9147% | 2,988 |
| Total risk-based capital ratio | 16.2065% | 2,915 |
| Memoranda: | ||
| Average total assets | $557,555,000 | 1,244 |
| Average earning assets | $517,603,800 | 1,222 |
| Average equity | $59,227,200 | 1,118 |
| Average total loans | $310,782,800 | 1,540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 5,741 |
| Cost of funding earning assets | 1.7019% | 4,890 |
| Net interest margin | 3.5336% | 4,727 |
| Noninterest income to average assets | 1.1756% | 1,129 |
| Noninterest expense to average assets | 3.5193% | 2,230 |
| Loan and lease loss provision to assets | 0.5223% | 3,297 |
| Net operating income to assets | 0.3108% | 4,755 |
| Return on assets (ROA) | 0.5300% | 3,952 |
| Pretax return on assets | 0.7111% | 3,818 |
| Return on Equity (ROE) | 4.9255% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.0505% | 3,012 |
| Net charge-offs to loans | 1.9336% | 1,029 |
| Credit loss provision to net charge-offs | 47.9702% | 6,341 |
| Earnings coverage of net charge-offs (x) | 0.8644% | 5,193 |
| Efficiency ratio | 78.8986% | 3,012 |
| Assets per employee ($millions) | 3.6971% | 4,432 |
| Cash dividends to net income (ytd only)* | 17.7637% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 3,688 |
| Loan loss allowance to noncurrent loans | 34.6589% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 2.9658% | 2,334 |
| Noncurrent loans to loans | 4.1864% | 1,728 |
| Net loans and leases to total assets | 52.9120% | 6,511 |
| Net loans and leases to deposits | 75.3627% | 5,145 |
| Net loans and leases to core deposits | 93.6832% | 5,050 |
| Total domestic deposits to total assets | 70.2098% | 7,397 |
| Equity capital to assets | 12.5963% | 1,884 |
| Core capital (leverage) ratio | 11.1280% | 2,310 |
| Tier 1 risk-based capital ratio | 17.0598% | 2,258 |
| Total risk-based capital ratio | 18.2740% | 2,217 |
| Memoranda: | ||
| Average total assets | $557,981,750 | 1,251 |
| Average earning assets | $518,708,250 | 1,230 |
| Average equity | $60,040,000 | 1,120 |
| Average total loans | $314,220,500 | 1,547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3098% | 5,611 |
| Cost of funding earning assets | 1.7445% | 5,048 |
| Net interest margin | 3.5654% | 4,519 |
| Noninterest income to average assets | 1.1683% | 1,149 |
| Noninterest expense to average assets | 3.5161% | 2,290 |
| Loan and lease loss provision to assets | 0.6044% | 2,633 |
| Net operating income to assets | 0.2663% | 5,026 |
| Return on assets (ROA) | 0.5904% | 3,830 |
| Pretax return on assets | 0.7984% | 3,682 |
| Return on Equity (ROE) | 5.8184% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.0977% | 2,455 |
| Net charge-offs to loans | 0.5065% | 2,811 |
| Credit loss provision to net charge-offs | 208.6634% | 2,196 |
| Earnings coverage of net charge-offs (x) | 3.3304% | 3,483 |
| Efficiency ratio | 78.4703% | 3,283 |
| Assets per employee ($millions) | 3.5273% | 4,745 |
| Cash dividends to net income (ytd only)* | 12.3862% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4275% | 964 |
| Loan loss allowance to noncurrent loans | 94.2680% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 2.2045% | 2,934 |
| Noncurrent loans to loans | 2.5751% | 2,815 |
| Net loans and leases to total assets | 56.2221% | 6,183 |
| Net loans and leases to deposits | 79.3747% | 4,644 |
| Net loans and leases to core deposits | 92.9296% | 5,247 |
| Total domestic deposits to total assets | 70.8312% | 7,387 |
| Equity capital to assets | 10.4921% | 3,411 |
| Core capital (leverage) ratio | 9.0774% | 4,499 |
| Tier 1 risk-based capital ratio | 13.7984% | 3,625 |
| Total risk-based capital ratio | 15.0590% | 3,563 |
| Memoranda: | ||
| Average total assets | $557,890,000 | 1,270 |
| Average earning assets | $518,321,670 | 1,248 |
| Average equity | $56,613,330 | 1,192 |
| Average total loans | $319,049,330 | 1,558 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 5,137 |
| Cost of funding earning assets | 1.7698% | 5,260 |
| Net interest margin | 3.6867% | 3,953 |
| Noninterest income to average assets | 1.1379% | 1,139 |
| Noninterest expense to average assets | 3.2631% | 2,756 |
| Loan and lease loss provision to assets | 0.2123% | 4,323 |
| Net operating income to assets | 0.7848% | 3,191 |
| Return on assets (ROA) | 0.7848% | 3,356 |
| Pretax return on assets | 1.1019% | 2,982 |
| Return on Equity (ROE) | 7.8620% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.1744% | 2,148 |
| Net charge-offs to loans | 0.2037% | 3,412 |
| Credit loss provision to net charge-offs | 182.9268% | 2,374 |
| Earnings coverage of net charge-offs (x) | 11.3232% | 1,884 |
| Efficiency ratio | 71.2894% | 4,312 |
| Assets per employee ($millions) | 3.6187% | 4,527 |
| Cash dividends to net income (ytd only)* | 8.7466% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 1,167 |
| Loan loss allowance to noncurrent loans | 127.7198% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 4,803 |
| Noncurrent loans to loans | 1.6745% | 3,748 |
| Net loans and leases to total assets | 55.9317% | 6,247 |
| Net loans and leases to deposits | 80.9244% | 4,465 |
| Net loans and leases to core deposits | 96.8137% | 4,866 |
| Total domestic deposits to total assets | 69.1160% | 7,503 |
| Equity capital to assets | 10.3196% | 3,632 |
| Core capital (leverage) ratio | 8.7478% | 5,065 |
| Tier 1 risk-based capital ratio | 13.3875% | 3,934 |
| Total risk-based capital ratio | 14.6452% | 3,843 |
| Memoranda: | ||
| Average total assets | $565,231,000 | 1,260 |
| Average earning assets | $527,302,500 | 1,229 |
| Average equity | $56,423,000 | 1,199 |
| Average total loans | $322,073,500 | 1,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 6,391 |
| Cost of funding earning assets | 2.2035% | 5,584 |
| Net interest margin | 3.6069% | 4,854 |
| Noninterest income to average assets | 1.3477% | 793 |
| Noninterest expense to average assets | 3.5513% | 2,263 |
| Loan and lease loss provision to assets | 0.9516% | 1,552 |
| Net operating income to assets | 0.2184% | 5,795 |
| Return on assets (ROA) | 0.2754% | 5,443 |
| Pretax return on assets | 0.2655% | 5,586 |
| Return on Equity (ROE) | 2.8713% | 5,284 |
| Retained earnings to average equity (ytd only) | 1.8580% | 4,067 |
| Net charge-offs to loans | 0.3031% | 3,372 |
| Credit loss provision to net charge-offs | 571.5048% | 765 |
| Earnings coverage of net charge-offs (x) | 6.9669% | 3,223 |
| Efficiency ratio | 75.3781% | 3,344 |
| Assets per employee ($millions) | 3.6278% | 4,345 |
| Cash dividends to net income (ytd only)* | 35.2903% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 1,107 |
| Loan loss allowance to noncurrent loans | 128.9388% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 4,254 |
| Noncurrent loans to loans | 1.6105% | 3,354 |
| Net loans and leases to total assets | 55.6307% | 6,471 |
| Net loans and leases to deposits | 80.1679% | 5,020 |
| Net loans and leases to core deposits | 93.4786% | 5,497 |
| Total domestic deposits to total assets | 69.3927% | 7,341 |
| Equity capital to assets | 9.6501% | 4,483 |
| Core capital (leverage) ratio | 8.5665% | 5,451 |
| Tier 1 risk-based capital ratio | 12.9603% | 4,135 |
| Total risk-based capital ratio | 14.2162% | 4,053 |
| Memoranda: | ||
| Average total assets | $562,753,000 | 1,201 |
| Average earning assets | $524,792,800 | 1,175 |
| Average equity | $53,983,000 | 1,247 |
| Average total loans | $309,114,000 | 1,568 |